Personal accounts don't solve that problem,

Never solve a problem from its original perspective.

That may solve the problem.

I can't be part of your equation. But I rather want to solve your problems.

If you have problem in your life, help enough people to solve their problem. You will get rid of your problem in short time. It works.

The real questions are: Does it solve a problem? Is it serviceable? How is it going to look in ten years?