Subscriptions are designed to be forgotten.
Streaming, music, AI tools, domains, hosting. Each one is small, each renews silently, and together they form a monthly leak nobody has a number for. The failure moment is always the same: a charge lands for something you meant to cancel, or a domain lapses because the renewal mail drowned in the inbox.
The category's answer is to ask for your bank login. That is the most sensitive data a person has, requested to solve what is fundamentally a list and a reminder. I refused that trade in both acts, which is the one decision that never changed.
My original read was that this was a wide problem, and the model was Rocket Money: track everything, then make cancelling easy. That was the assumption the first act was built on, and testing it honestly is what produced everything that follows.
The bar either version had to clear: adding something takes seconds, the reminder lands where life already happens, and one glance answers what you are actually spending.