If you wait long enough, someone will build that app or service you so desperately wish existed. They will gladly sell you a license or membership, and you can stop wishing.
Why wait? Solve your own problem. Sell the license or membership to those other folks, instead. At minimum you get to stop wishing sooner, since you get to beta test your solution. Probably you also learn a little bit. And at best, you make some money. You can use it to fund your next solution. Or maybe just have a bit more personal security. It's all upside.