This sounds great. I would definitely love a splitwise alternative in particular!

You may want to think about using another name for your app suite though. Since it may bring confusion with the simple mobile tools (https://simplemobiletools.com/index.html) which for example also have a “Simple Notes” app.

If you kill the company you do punish those people by killing their main revenue/asset. The good thing is that you also punish the investors who will lose all their money. This will dissuade anybody to invest into a company if there is a possibility that the company is fraudulent. This could even push more transparency in the companies to attract investors.

I think we should also introduce death penalty for companies. Did a company commit a serious enough crime ? Then we just kill it. Is does not deserve to exist anymore.