IMO it seemed like in 2019/2020 with the advent of "consumer banking apps" that what the once "groundbreaking" features Simple provided had basically become commonplace. Or because of other banks at least half implementing them - it stymied the number of people who would actually switch to Simple or showed that people just didn't really care. At the end of the day, Simple provided a slick UI to get people to use their bank and it seems like there just wasn't enough of an edge to drive users to their underlying financial institutions. Privacy definitely wasn't as much of a big deal back when Simple started?