The fact that your first thought was how you could use this amazing tech to remember a lost family member who you love, and OP's first thought was that it could be used for evil so it shouldn't exist says a ton about each of you.
Both unhealthy
As someone who has worked on payments infrastructure before, it's probably nice if your first thought is what great things an aunt can buy for her niece, but you're better off asking what bad actors can do with your software, or you're in for a bad surprise.