''A rule of thumb is that for commoditized goods, bundling tends to favor the seller, while unbundling tends to favor the customer. In a bundled product, a seller can obscure costly line items and convince customers to purchase more than they need. With an unbundled suite of products, the customer is free to only pay for the services they value, and each service can better amplify its core value proposition. (For non-commoditized goods, bundling can carry more benefits, which is why they tend to see continual swings between bundling and unbundling.) This is all textbook economics. But how does this apply to money?''