Imagine that you are starting a family and you want to stay on top of your finances so you can manage your budget for your growing family. Because you have too many accounts for banking, loans, subscriptions, and bills to keep track of, you decide to sign up for a service that aggregates all your accounts in one place. When you register your account online, you follow the instructions carefully. You create a strong, unique password and set up multifactor authentication. You enter your bank account and loan information, home address, and other personal information. Your spouse also signs up, and you create a joint family account that combines your information.