So I've been thinking...

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Heya /biz/, I'm not really sure who I can ask about this, so here goes.
I had this idea, because I wanted to save money to marry and live with a girlfriend one day. I was thinking of how to save, how to save, what to do to save more... And I wondered why there wasn't an app or service or something that you just sign your paychecks over to, and then they pay all your bills and just give you what's left on some card or something. And for bonus, they could put "x" amount in savings. Like, I would be all over that if that was a thing.. and as far as I can tell, it's not. So now I kinda want to make this, and it's the first actual idea I've had about making something. Can you guys just tell me that it's not possible because this reason, or them jews, or muh govment has some kind of wall for that kind of thing. I'm guessing essentially making a bank is tough.. Maybe I could start it by having people just send crypto?
But yeah, tell me why it won't work, tell me why I'm gay, tell me it's a shit idea. Or if you know about this shit, well, help a brother out.
Thanks biz, I'll periodically post tits