Remember when Google started Google Wallet? It came with a debit card that you linked to your bank and could transfer money to in seconds. I loved that and used it quite a lot. Simple to use and to manage.
Then it became Google Pay and the banking portion was moved to the online bank Simple. Now transfers took 3 days unless you used Simple as your bank. I set up direct deposit and put in some money each pay check to use as my spending money, but I stayed with my old bank.
Today Simple is no more. The bank behind it, BBVA, has shut it down and moved the accounts to BBVA, and automatically enrolled everyone in paper statements for $3 a month. I transferred out my money last week and will not activate my empty account at BBVA.
The auto enrollment in paper statements is what soured me on using them any more. It is just a blatant money grab. I was going to close the account at Simple, but they will not let you do so until 30 days after the last money transfer.
Also, the use of the cards and apps has gotten more complex over time. My old bank app is easy to use and has gotten better over time, but the Gwallet to Simple, and now to BBVA, the process gets more complex each time these things move. They should be getting easier and more intuitive, not backwards and complex.