New Delhi, Nov. 6 -- Picture a normal weekday. You book a ride to work, order a sandwich on an app, clear your electricity bill between meetings, and by evening, your OTT subscription auto-renews. None of these expenses feels significant. They're the background noise of daily life.

But here's what often goes unnoticed: most of us funnel these dozens of tiny transactions through the very same bank account that also holds our hard-earned savings. That account is supposed to be the safety net for emergencies, EMIs, and goals. Instead, it's out in the open, constantly tapped for everything, from cabs to streaming.

On the surface, it looks efficient. One account for everything. But the more you think about it, the more fragile it seems. Ever...