Yes you do.

There might be a lot more millionaires than before, but it’d still be a much smaller number who could drop $1M on a flying car.

My team uses Expensify, and I have to say, I don’t hate it. The website is full featured, the mobile app is actually pretty good, and you can even just email receipts to an email address and it will parse them out properly the vast majority of the time. Management-wise it has all of the approval chains, grouping, etc that you might expect. The company I work for is only about 50 people and my team is only 10 so I couldn’t say how well it scales, but I imagine unless you have some particularly unique requirements it’d do the job.

They’ll implant new skills like “learning to knit”, but won’t mention anything about how to use the three seashells.

Yep, this is it. Show how “broken” it is by breaking it, and enough of the population won’t even notice when it’s “fixed” and they’re only getting 2/3 of what they were before (and are entitled to). Plus grift, etc.