I think the issue is that there is only a small minority of consumers who (1) care enough and are knowledgeable enough to want to micromanage their finances, an

I think the issue is that there is only a small minority of consumers who (1) care enough and are knowledgeable enough to want to micromanage their finances, and (2) aren't wealthy enough to just pay a CPA to handle it. I am definitely in that minority, and use GnuCash since I can tap directly into the database backend and automate whatever I want. I do a lot of complex cryptocurrency arbitrage trading, which of course requires "real" accounting to determine profit/loss. I'm also very, ahem, "creative" with my credit cards and like to take advantage of various offers and hacks to get low- or no-interest liquidity. Double-entry bookkeeping is absolutely essential to ensuring that I'm not just wasting money on all my complicated financial maneuvers, as well as seeing where and when I need to move my cash.