How does one use gamification to make banking exciting?

There is a famous case with Steve Jobs that basically says users/customers have no idea what they want, until they are shown it, and more specifically: sold to it. And also another well-known angle: people you talk to directly usually tell you: "this is a good idea" or smth of that kind - friends / family / and even strangers - because they are afraid to hurt your feelings or sounds too harsh. Talking to users is not a reliable metric according to these examples. So whats left if we cant trust potential users?

I’m actually interested about something else - getsven has dream.getsven.com - it is an idea killer. It evaluates proposals and reveals weaknesses and strengths - so that i can evaluate any idea and quickly understand whether at has any meats to it (is it worth building?). Is this a valuable v1 tool, and if so, what are possible v2s?

What if it had a little screen showing a virtual pet that grew every time you added coins?

Pivot: make them glow in the dark too, so kids can find them easily at night.

What if kids could vote each day on where the robot should drive next?

What if it also sent your phone a warning when a plant was getting sick, before it wilted?

Let kids form bands online and play live concerts on a virtual treehouse stage.