I&#x27;d wager the only thing you&#x27;re missing is the high friction involved in setting up a bank account. I&#x27;ve got my credit card stored in my password manager vault, and even if not, I&#x27;ve got that sucker memorized. Contrast that with digging through the clutter on multiple horizontal surfaces in our house to find a checkbook so I can find the routing number and account number, waiting for the two deposits to show up (because I use a small bank that hardly ever shows up on these &quot;automatically authenticate&quot; lists), and then trying to remember what I was trying to spend $1 on...<p>But that&#x27;s literally the only problem. The fee structure is AWESOME for micro-payments, so for the right things (small subscriptions?) this could be amazing.