I also was in the same boat as you, I even paid for a year of YNAB. However, I had anxiety of giving full access to my bank account and importing it manually be

I also was in the same boat as you, I even paid for a year of YNAB. However, I had anxiety of giving full access to my bank account and importing it manually became a chore, soon I just stopped all together. I support your decision of blocking phone access, even tho it was a surprise, maybe explaining why is better than label it as a technical limitation Best of luck