I understand that some apps try and exploit bad behaviours and these apps really annoy me to my core. They know who they are. However that is not the case with YSplit. We believe that the current process of one person managing the house finances for everyone is backwards. There is no incentive to do this and there is really only negatives that come with it. Everyone being responsible for their share of the bill teaches roommates to be more financially responsible than to allow one roommate to take care of it all and carry the burden. You nailed it when you mentioned the our biggest selling point helps those who struggle to get the cash together or front the payment. Roommates who normally relied on that one roommate are now learning how to budget better on a monthly basis for the utilities etc.

> I wish we'd see an app that teaches financial literacy and responsibility

I agree with you 100%. I'm not sure how feasible it is to build a business around it, though, since monetization techniques are likely to turn people off or harm the product. Bogleheads is an awesome existing resource, in case anyone's interested