I don't fully understand your problem, or how Apple could provide a solution. Are you saying that the current system of having a checking/saving account, and s

I don't fully understand your problem, or how Apple could provide a solution. Are you saying that the current system of having a checking/saving account, and setting up autopay/direct payments for your various bills (mortgage, utilities, gym, etc.) is cumbersome? And proposing that instead, Apple should add up all your bills and provide you with a $amount to pay each month, and you just pay that amount into your Apple checking account? The example you gave above, overpaying for a music subscription because it didn't auto cancel, wouldn't be solved by this system, Apple would just add it into the bill and if anything, reduce your visibility into what you're paying for and why. I'm not sure how they would know to "protect" you from a music streaming service you signed up for. The method that works best for me is to use an app like Personal Capital/Mint to centralize financial info and get notifications on what I'm paying for, and when. It also summarizes what buckets you are spending into, so if any look odd you can dig down and investigate further.