I don’t really remember how I first heard about the digital robot that would save money for me automatically, but the idea sounded so perfect I signed up immediately. At the time, about five years ago, it was a text message-based service that would watch how I spent money. When the time seemed right, a small sum of money would be spirited away and stashed in a savings account. This simple service eventually turned into an app, and over the years, more apps like it started to appear. I downloaded as many as I could. I got greedy about saving money effortlessly.