I&#x27;m not entirely sure why there needs to be a financial services or banking contract to build this app and startup. What&#x27;s wrong with PayPal? Or bank accounts? Or Stripe&#x2F;Square&#x2F;Braintree? Paper checks?<p>This might be a little harsh for what seems like a sincerely useful app and startup, but the problem with the &quot;Yo&quot; startups is that it&#x27;s just raking leaves (money) to compost them or light it on fire. If the value is in the app, sell the app. If the value is in other people&#x27;s products and services, then there&#x27;s no value in it. And if the value is in the &quot;idea&quot; then it&#x27;s hopeless. If the value is in the fundraising, then we&#x27;re lost.<p>What I don&#x27;t see is why the idea, PiggyBank, couldn&#x27;t be functional in the first week. Just like I don&#x27;t see why a company needs $X billion with no imaginable costs or expenses to put that money toward.<p>Let&#x27;s say it isn&#x27;t possible to do mobile-to-mobile payments (which I think it is), or online payments, without owning a bank — then why not release the same app and when you do the chores for your parents or your uncle they put money in a jar? Beyond not making revenue, having users is at least some sort of reward. When you have the revolutionary breakthrough, add that to the app.<p>And finally, don&#x27;t leave your job over something you think is a good idea. Make it a reality, and if it takes all of your time <i>and</i> it can support you, then make the jump.<p>Obviously these aren&#x27;t things any founder wants to hear, but someone with a greater risk aversion might be able to be as productive with a more realistic focus than the average SV press release.<p>Edit: Obviously this is a little naïve considering all things, but I&#x27;d still like to see the payments possible on a &quot;small business&quot; scale of things.