Six people. One Netflix. Zero structure.
Someone fronts the bill. Reminders get ignored. The host quietly absorbs the loss or breaks up the group on the 5th.
A neutral layer holds the money.
Members pay Split Stash. Funds sit in an escrow buffer until access is verified. Hosts release into a system, not a screenshot.
Renewals that just renew.
Trust scores compound. Replacements happen in hours, not days. The group chat goes silent for the right reason.