> I should be able to partition my money into several lightweight accounts - one for groceries, one for home expenses, investment, etc
Heck not even real "Accounts" (in the traditional banking sense) but just "funds" or "virtual accounts." I should be able to put $5/month into a "waste of money" fund, and then flag specific transactions against that balance when I use it, or as you said have a virtual credit card that goes straight out of my virtual "waste of money" fund.
It really is surprising how little innovation occurs in the banking space. I want more tools to track expenditures and money usage, silo-ing money virtually is an obvious way to do that, but yet nobody really offers it!
Heck not even real "Accounts" (in the traditional banking sense) but just "funds" or "virtual accounts." I should be able to put $5/month into a "waste of money" fund, and then flag specific transactions against that balance when I use it, or as you said have a virtual credit card that goes straight out of my virtual "waste of money" fund.
It really is surprising how little innovation occurs in the banking space. I want more tools to track expenditures and money usage, silo-ing money virtually is an obvious way to do that, but yet nobody really offers it!