Bank and phone Co. what can I say.
But there is the thing of Personal accountability also. I have two places on my cell that tell me my uage and when I am out of area.  They keep calling an asking if I would like texting lol and I keep saying only if it is free on my plan.   ;D

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WASHINGTON — Federal regulators want to stop cell phone "bill shock" by requiring wireless companies to alert subscribers before they run out of minutes, hit data usage or text messaging caps or start racking up international roaming charges.

The Federal Communications Commission is expected to vote Thursday to seek public comment on such rules, which are on the table after a flood of consumer complaints about unexpected and costly overage fees.

The proposed regulations would require wireless companies to send voice or text alerts to customers as they approach monthly usage limits on their plans and when they reach those limits. The rules would also mandate that carriers notify customers who travel overseas if they will be charged extra to use their phones outside the U.S. or roam on a foreign carrier's network.

In addition, the FCC wants wireless carriers to clearly inform customers of any tools they offer to let subscribers set usage limits or review usage balances. And the agency is considering requiring all carriers to give subscribers the option to cap their usage.

"Consumers are being charged real money that they shouldn't be charged for," said FCC Chairman Julius Genachowski. "So this is about harnessing technology to empower consumers and give them information to control their bills."

Consumer watchdogs welcome new rules to curb what they see as predatory wireless charges.

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