Fintech apps promise to replace traditional banks, but I've noticed hidden fees and opaque algorithms in several popular ones. A friend lost $200 to a 'round-up' feature that miscounted transactions, and customer support was a bot loop. Can we really trust these platforms with our life savings when their incentives are tied to pushing loans and investments? The convenience is real, but so is the fine print—my last statement took three screens to find the actual cost. Is the shift to fintech genuinely better for consumers, or just cheaper for the companies?