The other response cover the WTF WRT specifically web based company, I propose the general response of people aspire to getting actionable analysis. Companies

The other response cover the WTF WRT specifically web based company, I propose the general response of people aspire to getting actionable analysis. Companies don't actually have to provide actionable measurable quantitative analysis results, they just have to promise it could happen. My personal experience with Quicken and Mint is I never got any actionable measurable results from the effort. Yes I saw all the ads about how I'd get special offers to save $5 on my car insurance or it would make me save for retirement or whatever, but over many years of Quicken and a couple years of Mint it never amounted to anything valuable. Then it becomes an insurance and sunk cost game, well, I've tossed away all this time and effort to organize unnecessary data, I guess I need to keep going to "save" my sunk cost. Eventually I chucked them both. The minimal time to maintain adds up over time and cuts into actual analytical analysis (not to mention recreational time) and in return, as mentioned, I got nothing out of it. Not all aspirational products are worthless to all people, I'm sure there exists someone who got something measurably important out of their mint or quicken experience. Just not me or anyone I know. It is kind of the diet industry is a good analogy to the personal budgeting industry. The dieting industry makes people feel they're doing something important when they pick up a book or try to live off nothing but grapefruit juice for three days; all that really happens in the end is the provider makes money.