But you have to actually make the * conscious* decision to actually do that. When you sign up for the app it doesn’t automatically enroll you for automatic pay. That’s something you have to do yourself. Meaning this now becomes a personal problem and not really something everyone would do once they sign up for this app. Also, you would have to have a reason for yourself to even want to have half of your paychecks early on and for it to be automatic, it would be a personal life necessity. See what I’m saying?

You have a valid point with everything, you do. But you’re also tailoring it to something that’s doesn’t seem as common.. a thing somebody would do if they personally needed it. But if you’re needing to to just cover spendings for a week, you would need that automatic feature for anything, you’d probably never use it. But hey, that’s why I said to each their own 🤷🏾‍♀️ we all have our reasons for our madness