I like this. I'll add a fifth one.

Programmatic Access. I want a simple REST API with a token, scopes I can grant, revoke, etc. I want to be able to pull transaction data, move money between the above features, setup re-occuring payments, give my kids a lightning allowance that pays them fake interest, and make sure my hot wallet on my phone always has at least 5x my hourly wage in it...etc.