When it comes to SMSs the "fallacy" is that you can charge for an SMS. In fact, you are being charged for a fixed block of TIME, which you should be allowed to use when you want to use that block of TIME when you use it. If you buy a prepaid number of blocks, you should be allowed to use them whenever you need to.
The same with data, you "buy" the right to use a "container" which you can push through the port, onto the highway, WHEN you need to, and ONLY when you need to. Hence IF you choose to accumulate your containers (which are in fact just a block of TIME), and use them when required makes it exactly the same as a booked telephone call in the old days.
SO, to summarise,
The fact that we pay IN ADVANCE for services in the form of minutes, SMS's and blocks of data given the label a "BYTE" means in essence that we give the industry, interest-free loans, which appears in their books as a liability, and THAT is why they pushed for and got away with it for years, that it should expire. Money can't expire. therefore by making your purchases expire, it means nothing else than THEFT, to cancel out an increasing liability that appears in the books of the entire industry!
And that is why this ruling of ICASA is so important. Because it prevents legalised THEFT.
So why are the banks worried? Because the next step would be to start getting the entire industry to pay back all the MONEY the industry has stolen from you for unused usage rights since the industry started. All that is ill-gotten gains, and exploitation!
Now think about all the other things we buy with these points systems coupons etc, that "expire". the same goes for them. Making these things expire is making a liability in the form of an interest-free loan expire, by using YOUR money to cancel out that Liability which is just stealing YOUR MONEY!
The ONLY fair system is to pay for TIME used and do so post usage, based on the measurement of the TIME that you used the service, POST-PAID, or by using up a CREDIT you bought if you did this prepaid.
