> Does your operating system have all its files directly placed in "/"? The various directories all share the same disk storage. I would argue that creating mu

> Does your operating system have all its files directly placed in "/"? The various directories all share the same disk storage. I would argue that creating multiple accounts in your bank is akin to creating multiple disk volumes. If one volume runs out of storage, you have to resize it, and requires decreasing the size of another volume. Just like if one bank account runs out of money, you have to move money from another account. Though I am unfamiliar with the products mentioned, so perhaps these are virtual accounts that all draw on the same underlying “physical” account, and thus can have a negative balance without incurring overdraft fees. In which case this would basically be a (simple) accounting app provided by your bank. I could certainly see some value in simplified accounting added to a banking app, if however you are after “proper” view of your finances, a real double entry accounting system should be used, where you would be able to also track assets outside of the bank (like cash on hand), liabilities (debt), etc. Personally though I do see value in having a secondary (bank) account for fixed expenses, but that is only because I am too lazy to do “real” accounting, so having this separate account makes it easy to view a history of all fixed expenses (for next year’s budget).