I learned (almost) the hard way how important legacy features are.

For me it was buying a house and realizing that you must be able to wire money.

When the stakes were high, Varo failed me (they promised they could do it, but on the day I needed it they refused) and I had to scramble at my traditional bank to make the payment in time to avoid $20k on penalties.

Other than the most important transaction of my life, though, they've been great!