A "Payment Successful" notification popped up, followed immediately by an email containing his new digital insurance cards. Leo took a sip of his coffee, now cold but tasting a lot better. He was officially covered, his bank account was synced for easy monthly autopay, and he still had ten minutes left before his first meeting of the day.

He pulled up a comparison site and found a policy that actually fit his budget. When he clicked "Purchase," the site offered the usual credit card option, but Leo paused. He preferred keeping his bills tied directly to his primary spending, so he looked for the option.

Leo sat at his kitchen table, nursing a lukewarm coffee and staring at his laptop. His auto insurance was set to expire at midnight, and the thought of spending his lunch break on hold with a call center made his head ache. "There has to be a faster way," he muttered.