I'm a huge Mint user. I have a pretty good system for budgeting, I check it almost everyday, etc. I've been using Penny for the past couple weeks though and am getting quite hooked on the product. Simpler, less intimidating, less stressful, and the sheer delight of interacting with a friend vs a chastising red line is wonderful. I was skeptical of the five buckets initially (given my detailed Mint categorization) but realize that that's really all I need. I'm excited to see where this goes!
I would think that it would be more of a tiered system. For some higher pay employees it might benefit them to remain in unsatisfactory job just to make the big bucks. They are then draining amazon and not contributing like they would be if the y were truly pleased with their job