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How about this one: Automatic set-aside of a percentage of all purchases into a "self-insurance" fund. Could also probably enhance it by excluding certain merchant categories, such as gas, groceries, medical, etc.

Talking about insurance, how about it denies your transaction when it sees you've hit your budget for a night out, it will work one last time after e.g. 30 seconds so you can pay for that last drink, but that's it, after that it will let a taxi or Lyft transaction through, but not from any other bar.

And someone should also program it to donate to women's charities when you use Uber..

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