True. Doing this with Bitcoin would be an interesting project area. What you'd need I guess is some kind of wallet + accounting layer - users can run such a system at home or banks could run it for users. The real gotcha is a marketplace problem: not only users have to adopt such a solution, but retailers too because bank-like statements identify who you're paying. Alternatively, users could "label" their transactions but no one wants to do that manually.

This might be something NYDIG is working on absent the open part.