I was a Simple user for a couple of years back when it was invite only. It was pretty good, but I wish they'd focus on providing nice tech on top of existing bank infrastructure. For instance, license out their nice UIs and budgeting tools to other banks and help with integrations and such, since most banks have atrocious web banking apps. Or integrate with Plaid and provide a single transaction aggregation and budgeting tool that looks exactly like Simple's current interface. I would pay for that.