The thing nobody talks about is that tarps are way slicker than tent floors, so depending on your pitch your sleeping pad can slide around all night on the plastic. I just rough up the tarp with sandpaper where my pad goes and it grips fine, plus the slick side helps it slide into tight spots without snagging. Cheap fix that solves the one real downside of going tarp.

Man, I kind of see it the other way. If you had your emergency fund in a bank account you can check for free, the app isn't really holding your money, it's just holding the screen that shows it. Having said that, a $14 sub to peek at your own savings does sound like a lot of crap, so I get the frustration.