Despite what we’ve learned from reliable sources such as Neo, T2 and that really, really sad Haley Joel Osment movie, artificial intelligence has yet to take over the business world. Our newfangled machines can make a fine Twinkie, but there are still some things that require a good old-fashioned human brain.

What group would be complete without a friend who never has cash? They come in two models – the I’ll-just-put-it-on-my-AmEx and the I’ll-hit-you-back-next-time. One saps your dignity while the other seizes your dough. But if you had an account with Venmo, all you’d have to do is text 646.863.9557 with a message saying “Who” and “How Much.”