Well people will pay premium as you describe but those are very few people. For vast number of middle class folks all these things are basic planning. I am sur

Well people will pay premium as you describe but those are very few people. For vast number of middle class folks all these things are basic planning. I am surprised, with all the notes / planning/ calendar/ reminder software being there along with incredible array of personal devices to store them, people can't combine these basic requirements with regular store trips.