Maybe out of touch. I've used them all (Mint, ynab, pocketsmith, buxfer, some google-sheets-based app, probably tried a dozen others). All of the auto-sync features had obvious bugs. It works for a few months and then you end up with junk data. But if it works for you, carry on!

Contra anecdote: been using auto import with YNAB for years with multiple accounts and never had junk data. At least, not of that means the data is wrong/corrupt.

The two issues I have had:

1. Have to reauthorize bank connection, but that's Plaid's issue I guess.

2. Payee names are all over the place because it's often the merchant name. I used to try and fix these and only have a single page payee for each entity, but gave up.

Side question, why are merchant names always so cryptic?

My best guess is you have an unusual data source most don't have. I wasn't describing an anecdotal experience but the reliability in aggregate.