this is what i mean by crypto feels like a bunch of scattered gift cards and debit cards.

right now money is fragmented across many "loaded" wallets.

but it should be money from a single source pulled by many empty wallets.

does this make any sense???

It doesn’t seem to be going that way. If there were a middle layer aggregating the disparate sources and then pushing out for payments it might make that side of things simpler. ETH is pulled from three chains into a single spend transaction, rather than bridge, bridge, bridge, spend.