Just checked out your suggestion, i agree that the aggregation is nice, but $40/month for something i won't actively use but a few times a year is quite expensive.
Long story short: we get records any records that still exist.
* What about data export?
* Why no 2FA? (or sign in via federated identity?)
* What is my guarantee that your price doesn't dynamically adjust, potentially hitting me hardest when I can least afford it?
All the while I was dealing with recovery actions from a health insurer that assumed that an unrelated ER visit was the root cause (and potentially not my health insurers problem)
Having this type of serve would have been awesome, and I would have gladly paid it!