 If you could 'reinvent' anything what would it be?
nico: Credit cards / payment management.I hate that I cannot lock/unlock my credit card (online wire transfers, checks or other payment methods) at will, with a simple click of my mouse.I'd really like being able to choose when my credit card can be used, maybe using rules like: "only on weekends, between 11am and 7pm. never online.". Then if these rules are not met, no payment should be authorized. Alternatively, I should be able to have more lax rules like: (all the above) "And only with automatic phone confirmation on weekdays between 12pm and 2pm". Then if I needed to pay for lunch, I could do so with my credit card, but authorization would be granted only after I got an automatic call with a recording asking me to confirm payment and maybe enter a pin number.