Good enough for whom, though? I think if we want to appeal to a larger financial audience, we need to play the financial game. It's hardly complicated. I can imagine moving HBD to saving, and then the popup that already happens has a drop down menu to select which choice vault, then click OK. Done. I'm sure it'll be a bit more chaotic on the base layer but users probably won't be affected.

Though I don't see why the current status quo couldn't also just be one of those options (albeit with reduced APR because 20% with no commitment is hard to trust)