Haha. Well, that would be marginally better than being greeted by:

Looks like you don't any savings. How about a new line of credit or a personal loan? The interest rates are microscopic!

(Literally, the rates are printed in microscopic text. Speaking of which... How about taking out a personal loan, to cover the cost of a shiny new microscope? Click here to get started!)

An automated fiduciary would be a huge boon, the robotic equivalent of a piggy bank. But it should be client side; it's role is to screen you from from being exploited by those who you do business with, including your bank.

>But it should be client side

This too will be co-opted by the greedy who look to profit in the short term, even if just to profit in the app. The boom bust cycle just shows up too many times in history not to be caused by a failure in the human psyche.

Banks actually do offer this service, though it's not front-and-center as you joked. Simple Bank was built around this premise. Chase Bank has an Insights feature that tells you how you're spending your money and offers recommendations.

Trim App is meant to be something like this but so far it on,y does something about recurring subs, I think.

I would absolutely love this!!!