That is very true, and it's something we've struggled with on our bot, but there's also a collorary - every time you add a feature, you have to add UI for it wh

That is very true, and it's something we've struggled with on our bot, but there's also a collorary - every time you add a feature, you have to add UI for it which adds complexity and can have support costs - I have heard anecdotally that when banking apps add a new feature they get a spike of support requests asking "what is this new xyz…?"