<prompt> Human: Is there a way we can automate it? I want there to be a paper trail and for us all to be protected.I wanted to set up an escrow to do this automatically, but the bank says our landlord has to set it up and she seems afraid of anything tech-related so I dont think shes going to do it.Is it okay to autopay into one persons account and have them autopay it out? Is it too much risk in case one of us fails to pay on time and it sucks money out of their accountcharges them overdraft fees?Should we set up a 5-way joint checking account for rent and utilities or is that stupid? Id appreciate any advice.  <response>: Pick the most repsonsible person. Have that one in charge of paying the landlord and utilities. That person is also in charge of sending a Venmo request to all roommates. That will keep track of who has paid and should eliminate the other roommates from forgetting to pay on time since all it requires is a button push on their phone 