You're right that user experience is a primary concern for us. The interface that most people have their financial data is extremely poor. This makes answering questions about your financial life slow and clumsy, if it's even possible given the tools your bank provides. That keeps a lot of people from making the right financial decisions to stay debt-free and grow their savings.
To your point about your checking account: many checking accounts don't actually have simple terms. Increasingly, they're full of hidden fees and complex conditions.
More broadly, we're doing what we're doing because many banks aren't investing in design, technology, and customer service. Instead, they're investing in new ways to squeeze as much money as they can out of their customers without innovating. We're here to continuously experiment and improve. That may mean that we're not the right banking solution for everyone, but we think a lot of people are going to like what we've built.
I'm not sure if your ability "to see" anything is relevant, but your characterization seems extremely shortsighted. Do you honestly believe that innovative startups of this kind launch with one set of features and never make improvements or add features later? I can think of lots of ways a company could innovate in the banking world, so I guess they are only limited by imagination.