For the physical version the only thing I’d recommend is making sure all your pieces of paper are the same size. Thinner paper (100gsm or less) will be easier to flip but the thinner you go the worse the drawing surface.
Digital-wise you could give https://flipanim.com/ a go. It’s pretty easy to use and emulates the physical construction of a hand made flip book nicely.
It’s so normal that I can’t actually remember it ever being any different. Even before the advent of mobile banking it was the same with internet banking. Instant transfers.
My money is on X’cretions and X’crement.
This is wild. Here in the UK we just transfer money from bank to bank in an instant using the banks own app.
Spark is pretty good. Has a nice MacOS and iOS app. I like the behaviour of swiping your email as “done” to make it disappear and keep your inbox clean. This is different from moving read email to a folder. You can set the default view of your inbox to only see email that have not been marked as “done”. Search is good too.
https://www.photopea.com/ is basically a web based free photoshop alternative. Should do most of what you need.