It has nothing to do with being edge-cases like "if you're hosting your own email thing". Personally, I just like to limit how many of my eggs are in one basket

It has nothing to do with being edge-cases like "if you're hosting your own email thing". Personally, I just like to limit how many of my eggs are in one basket, and I already have a lot of eggs in the Google basket. I like my bank's own built-in system for this right now between me and their other customers, and for everyone else I use venmo. It works great, and I have no real complaints about either system. But really I don't need to be talked out of using Google's like it's the default, and I'm not clear on why you do. I don't really get the "why do you use your own favourite toy instead of my own favourite toy?" crowd