unfortunately tragic reboot old pay add fee instant transfer major advantage loaningborrowing money friend family instantly bill rent gone money go holding account pay not bank account looking peertopeer transfer use venmo since everyone already no benefit convincing someone download app bell whistle added make convoluted use filled erroneous ad offer money tracking section opinion way voluntarily exposing sensitive financial information company constantly crosshairs hacker data analysis already banking app summary old pay app easy intuitive way storing card not sending money back forth people instantly element removed favor superfluous information offer add revenue stream not add real world benefit user