Way more concise than my blurb. Maybe I can learn from it :)

I would make the title of the question relate more to the content, to help people know what you are asking before they click on it ;)

Jokes aside, I understand how you feel, and I have felt like that before. I'm actively working on changing my view on these things. In most situations, you don't have to explain yourself or owe somebody an explanation. Just do it.
Many businesses were not first, but took an idea and made it better. This is also what drives innovation.
And if the niche is validated with the existing project, it doesn't mean each customer of your own project with a different approach would switch over from the other project.

If you feel weird about it, you can always reach out to the maker in question, tell them about it, ask for feedback, maybe even collaborate or exchange ideas and motivate each other.

Take my opinion with a lot of salt, as I am pretty new to the indiehacker space myself.

Sounds like a fun, challenging and worth it. It's one of my favourite past times to tinker with configuration and DevOps. In the past I went more bare metal with LUKS encryption, ZFS pools to be able to take snapshots, backup everything to an off-site and do all the updates myself.
In some cases it can provide advantages given the requirement, running up hours spend on maintenance 😊

Managed VPS is a concept that can proved the sweet spot between cost and effort. It's why Laravel Vapor has been amazing in the past with it's amazing scaling.

Even when starting out with a staging environment, a lot of experience will only present it self with real usage and customers.

Good luck, have fun and don't hesitate to ask, you have a community full of people with knowledge and willing to help 😅

Yes, I said so in my first reply ;)
I have 1 account as an inbox, 1 for fixed costs, 2 for saving, 3 for my flat share, 1 for my business and one to share with my digital nomad friends.
1 physical card and 5 digital ones.

www.bunq.com/features/deposit…

As you are based in the UK you might be able to use www.bunq.com/
I really like them and have been using them for a few years. They seem to be dev focused with APIs and very logical approaches to a few features. Every transfer is real-time, you can use a real credit card like a debit card, and use 20+ sub-accounts for budgeting.
They can be shared with friends as well. Cards can be re-mapped to different accounts just seconds before the transaction.
They are not perfect, but exactly what I need.

The question is, what are your requirements, needs, and pet peaves when it comes to banks?

I have the same issue.

You cannot go into the past. However, if you know that you will do something later but won't have an internet connection to document it, you could schedule a message to the Telegram bot.
Or move timezones to somewhere where it is still yesterday 😊

If you want some inspiration, I can check to see where I would intuitively look for it.

Exactly. Thanks for the suggestion.
Have you used the service or know anybody there?