I will preface my post by saying that I am a former Simple user, so I am suggesting a feature that Simple had that everybody loved.
With Simple, you had two underlying bank accounts; a main account and a “protected” account. You could then separate the money in both of these accounts by creating goals/expenses. There was an unlimited amount of these “envelopes” you could create for either account.
If you spent more money than is in your “safe-to-spend” (money that is not in an envelope), it would automatically borrow money from your envelopes to cover the purchase. When you got paid, your envelopes would be replenished before adding to the “safe-to-spend”. Your card would only decline if there wasn’t any money left in any of your envelopes.
If you did not want to have money accidentally spent from one of these envelopes, you could create the envelope on your protected account. This account could only be accessed by moving money from it to your main account. The protected account also had a routing and account number if you wanted to have ACH payments drawn directly from it. This is what your pots feature does and, while it has its use cases, is very limiting.
Besides the “borrowing” from envelopes that you can do with a single account, there are other benefits as well. One is for joint-account holders (when and if you guys support joint/shared accounts). Then the shared account holders can see all created envelopes and interact with them without those envelopes having to be specifically shared.
Also, it does not clog up the transaction logs when you move your money from one envelope to another within the same account. When I am using a third-party budgeting tool such as Mint, I don’t want to see a ton of transfers to the different pots.
The easiest way I think of Simple’s model was this: You have two bank accounts, and a built-in budgeting tool you can use to separate those two accounts into separate buckets of money visually, but it is still only two bank accounts.