Those apps and the anemic economy have taken Kenyans for cleaners. Kenyans have two to three lines because one or two lines are always red. Massive financial regulation is needed asap to save Kenya. Betting, alcohol, drugs, debts, and sex ravages Kenya, both young and old! Finding a straightforward Kenya is very hard. Smooth, complex, cunning, brutal conmen are all over the place, even pastors! Your dad, mother, uncle, sister, or brother can take you to the cleaners easily in today's Kenya. If you are Majuu, you need to design a financial remittance policy! for instance, If money has to be sent, max is always 4K. Whether 4 people died, school fees, loan dept etc!