“Six years ago, after watching my circle of friends surrender one too many evenings to insurance wrangling and doctor portals and DMV confusion, I emailed them a proposal: Come over next Tuesday. Grab a six pack. And bring your bills, your credit-card statements, your school forms, the streaming services you need to unsubscribe from, the airline miles you need to manage, the expenses app you need to figure out.

“Six years ago, after watching my circle of friends surrender one too many evenings to insurance wrangling and doctor portals and DMV confusion, I emailed them a proposal: Come over…