You've finally decided to book that trip. Portugal with three friends, split costs, the whole thing. You open a financial app expecting help, and instead you get a dashboard telling you that based on your spending patterns, you might want to consider a lower-cost...
You're scrolling flights at 11pm. The price drops. You book it. Three clicks and you're going to Portugal in six weeks. Then the credit card bill lands. And the next one. And the one after that. You're not bad with money. You just move faster than your bank account...