Picture this: You’re sitting at the kitchen table with your mom, trying to log into her bank account to check a mystery charge. She pulls out The Book. You know the one. It’s a battered little address book held together by scotch tape, a rubber band, and sheer willpower. You flip to “B” for Bank, but it says “See ‘C’ for Chase,” which then redirects you to “M” for Money. When you finally find the…