True enough, I wouldn't require an entire webapp if it only involved dividing a price by my hourly rate.

As x-complexity pointed out, the true value arises when I'm not acting rationally. I won't open a calculator in the heat of the moment, but I will open something that’s designed to interrupt me, slap me with the true cost, start a 24-hr timer, and then redirect the money somewhere meaningful if I choose to skip.

It’s less about the calculation, and more about the friction + psychology + follow through. I basically built the app to be the version of me who shows up when the rational version has left the chat