[mbesto]

> Or you can get into the credit business and just pay the bill and charge that person a fee or interest.

This. I'm not in the category of sharing bills with roommates anymore, but do remember it well and it was a pain.

I'd rather deal with a tech company that can provide better customer service and float for me than a utility bill that loses my info or doesn't do auto-pay correctly.

So if your value proposition is:

- never miss a bill again (Ysplit pays up front for it)[0]

- never deal with customer service for a utility again

Then I think people would pay for that convenience.

[0] - you could do the reverse and have people pay up front and give a discount, then use that float for finances. See -> Venmo.