When I read that text my first thought was making some videos of my mom that passed away, since so few videos of her exist and pictures don't capture her personality
The fact that your first thought was how you could use this amazing tech to remember a lost family member who you love, and OP's first thought was that it could be used for evil so it shouldn't exist says a ton about each of you.
If you put a piece of technology into the world you should spend more time on what consequences that has for the living in the future, not the dead.
As someone who has worked on payments infrastructure before, it's probably nice if your first thought is what great things an aunt can buy for her niece, but you're better off asking what bad actors can do with your software, or you're in for a bad surprise.