Background: Since early 2020s I have kept a low balance [1k+] in #108 .. actually insufficient for some oversized Giro deductions [3k+ for ADL insurance].

The stres after a Giro failure … is preventable. Hard deadline. Hard interruption to whatever I was focused on.

Over the long horizon… As I grow older, Giro failures would be a low but burdensome complexity. Giro failures are usually recoverable since Payee institutions are usually lenient/flexible. Reason — Among their thousands of paying customers, there will always be some percentage hitting Giro failures.

Sugg: calendar reminders. eg: MyCarePlus every Feb