It is a pain to access government services without a myGovID versus with one. This Digital Wallet will likely have the same impact. If you think that you can just get by without using it, I think you will be very much at a disadvantage in a few years time. You will be kinda forced to use it. So I am asking you provide feedback and try to help make it an app you will enjoy using. Preferably one that isnt reliant on a Google Account. [3/4]