I think we are saying the same thing. Ie, fine-grained control.

Important to consider binning the use cases, maybe?

Uber - on-demand, pay-per-use.

Rent/Mortgage - non-negotiable.

Internet Bill - fixed amount, specific day per-month.

Water Bill - variable/consumption based, non-negotiable, specifc day

V4V/charity - completely optional

...just thinking outloud.

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Fine line between "budget"-setting features and "trusted-invoicer"-features.

So lets say you rent a car. The company would take your CC and "threaten" to charge it if you return the car dirty or scratched or whatnot. With a Bitcoin wallet I could remove any allowance the minute I receive the key.

For this insurance use case, the wallet would require me to lock up funds with the company. Maybe 2-of-3 with a trusted third party. I see no other way than to involve a third party to force the client's payment.

Of course the third party could also be a respected insurance where the car company would trust to get a payment. This would allow the client to avoid locking up $10k for a car rental in exchange for paying some monthly fee for example.