People underestimate how many people there are, that need someone managing their stuff. And demographic developments mean those numbers will soon explode.
I think something like eCash (so that you can have FamilyPay) would make caretakers' lives easier, rather than telling very elderly or disabled people to self-custody everything or to run their own node.
We're sometimes dealing with people who don't even have a debit card or fill out their own forms.
They PREFER to trust us than trust themselves.
