Fintech apps have made investing so easy that my grandmother now buys ETFs from her phone, but I worry we're trading long-term financial literacy for convenience. When a roboadvisor rebalances your portfolio automatically, do you ever learn why certain assets belong together? Studies show that users of apps like Robinhood trade 40% more often than traditional investors, and that extra activity often hurts returns. Should we accept that fintech democratizes access even if it makes most people worse investors, or does the ease of use actually teach more by getting people started early?