Re. point C, I think everyone's use case is different but for an alternative perspective: it was absolutely necessary for YNAB to go online for me to buy it. T

Re. point C, I think everyone's use case is different but for an alternative perspective: it was absolutely necessary for YNAB to go online for me to buy it. The mobile app is a really key use case for me, and even as a technical person I just can't be bothered to set up hacky sync via dropbox or expect my family to know how to do that. Even if I could be bothered, now I'm just kicking the responsibility to dropbox + myself with all the same problems. I'd rather have the app developers manage that responsibility.