ProviderX: username, password (all the other emails)
For a growing community, would save at least $10/mo * 12mo = $120/year. The figure is especially sensitive in developing countries like Ukraine, and especially for non-profit communities.
I get the problem and desire to keep costs down but this kind of feature can not be in core, it sends a weird message to the mail providers, it would have to be a plugin
This would create a really inconsistent UX too, mandrill integrates with the content itself, allowing users to unsubscribe and even blacklist a sender.
If a Discourse instance sent mail via multiple providers none of these things would work.
I run out of 100k emails with a free SparkPost account, and had to manually switch settings to SendGrid for a few days, then switch it back again - each time rebuilding.
Such a plugin would still be very helpful, especially taking into account the new “bouncing email webhooks” feature, which would make switching more smooth in terms of maintaining low bouncing rates.