Why didn't this exist 20 years ago.

Oh, man... don't I know it.
In the early 90's to just past Y2K I ran a software development business (Windows utility tool) and while I did everything *but* the actual coding (contracted that out to overseas cheaper devs) it was still a high-energy pursuit -- up all day doing tech support and shipping disks etc then up all night doing testing, bug reports for the devs, UI design, help file code, website, etc etc etc
Cokes & Snickers to keep going, grab an hour or two of sleep under the desk from maybe 6am to 9am, then back at it day after day month after month... yikes, that's totally a young man's game and I could never handle it again nowadays... LOL
Wish I could though... contributing more to the crypto economy now would be great if only I had the energy.
Best I can do now I guess is just BUY and HODL as much as I can afford