This helped a ton for me, I opened a second savings account for travel/vacation savings and I have thought about opening another checking to separate “fun” money from expenses money.
Some banks make it really easy, where you can freely create sub-accounts for each bucket of money, but it seems like a majority make you apply for each account. In my experience, the application gets instantly approved, but it makes it seem harder and scarier than it really should be.
I had professors do different wordings for questions throughout college, I never encountered a professor or TA that wouldn’t clarify if asked, and, generally, the amount of confusing questions evened out across all of the versions, especially over a semester. They usually aren’t doing it to trick students, they just want to make it harder for one student to look at someone else’s test.
There is a risk of it negatively impacting students, but encouraging students to ask for clarification helps a ton.