Quick answer
Your bank balance can be misleading because it shows what exists, not what is already spoken for. Pip turns that into one daily number: Spendable Cash Today.
The bank app shows the pile
A normal bank app is good at showing account balances. That is useful, but it is not the same as showing spending room.
Rent may be coming. A card purchase may not have hit checking yet. Savings may be in the same account as everyday cash. The balance does not explain any of that by default.
The timing problem
Income and bills arrive unevenly. That creates days where the balance looks high even though the month is not actually comfortable.
Pip is designed for that gap. It asks what the money needs to survive before today becomes permission to spend.
A better default
The default number should not be the biggest balance on the screen. It should be the number that helps with the next decision.
That is why Pip leads with Spendable Cash Today.