Fintech apps have made investing and payments almost effortless, but I wonder if they're quietly eroding our understanding of money. When I swipe a card or tap a button, I rarely think about fees, interest, or risk—the app just handles it. A 2022 survey showed that 40% of users couldn't identify the annual fee on their top fintech product. That's not a small problem; it's a sign that convenience might be masking financial literacy gaps. Are we trading long-term comprehension for short-term ease, and is that trade worth it?