I still don’t think it’s a big deal. Single member llc are taxed on your personal (unless you opt differently but then you should have someone else handle it). It’s the people that don’t keep good records that get in trouble. Separating accounts won’t fully protect you if you do something dumb either. You can still take an owner draw whenever you want, irs don’t care.

But yes, had I known azlo existed I would have signed up from the start. I just wasn’t about ready to pay a big bank a monthly fee when I wasn’t making money yet.