> I just want a bank account and to have that bank record my spending and let me download it, securely, and automatically. I don't think this solves the proble

> I just want a bank account and to have that bank record my spending and let me download it, securely, and automatically. I don't think this solves the problem, unless you use incredibly broad categories for budgeting such that you never want to split a single transaction over two categories.