I think we are saying the same thing. Ie, fine-grained control.
Important to consider binning the use cases, maybe?
Uber - on-demand, pay-per-use.
Rent/Mortgage - non-negotiable.
Internet Bill - fixed amount, specific day per-month.
Water Bill - variable/consumption based, non-negotiable, specifc day
V4V/charity - completely optional
...just thinking outloud.