Net Interest Margin at the Core

 It strikes me that one reason people have so many financial issues is that the definition of "financial life" is too narrow. There are a lot of topics and issues that are important in the traditional world there are others that are not and cannot be addressed by those companies. For example, banks will help you buy your car or house but play no role in maintaining them, keeping documentation in order, etc. after you do it. 

This makes sense. Banks are really "good" at one thing - they take short-term deposits and pay them X% then lend that money to other people at Y%, collecting the spread (eg Net Interest Margin). While they have built and developed other capabilities, those activities are not their core skill (see: revenue composition of any bank). 

So long as the loan making them Y% doesn't fail, their model works. Why would they add new costs and problems to deal with voluntarily?

A different kind of company can do it though...