Some tools should not require you to create an account

Calling this a "tool" is a bit of a stretch. A calculator can be used to divide up a bill, and it doesn't require a login, either.

Apps like this are inventing problems in order to offer a solution. Folks can already split a bill, or they can stop being petty and quit worrying about every dollar between friends and family.

Mitigating and monetizing every human activity through an app is anti-human and unhelpful.