A mini-app I want: something to help apply basic best practices to my personal finance.

Today this is very hard, because no single financial actor has a complete picture of your financial situation.

To do that, you'd need a lot of connectors… and you'd also have to really trust the place that holds your data to not leak it or sell it or muck with it.

Creating a place to have all of your financial data and apply best practices to it would be extremely expensive to build in today's laws of physics.

The only companies willing to build it, in this current laws of physics, are companies who think they can extract more from you as a customer if they do.

For example, entities with a vested interest to push you towards a high-margin offering of theirs.

A paper by Thomas Philippon called "The Great Reversal: How America Gave Up on Free Markets" asks "why is there no Walmart of Finance?"

Maybe if the laws of physics changed for building software it could be possible.