Oh man, lights years ahead of a bank for sure :)
It's so funny...We're in my Discord right now and I'm just discovering curation trails, mostly because I never messed with them.
Almost 3 years on the blockchain and I'm learning new things every day. It's amazing. HIVE is literally too good to be true.
The trails, curie/curangel are a nice way to support decent new accounts when you don't have the time to curate. Add your fave authors to an auto (2-4 mins) and your CR should improve - not everyone's cup of tea but I think if you are trailing the curation accounts and doing some manually voting too then why not.