What kills me is there seems to be no option for accounting that is acceptable to CPAs besides being held captive paying whatever QuickBooks cloud demands. It's not like dual entry accounting has changed much in 500 years. There are bank integrations and service contracts (notably Apple Card wasn't willing to pay licensing fees for the quickbooks file format, so you simply couldn't syncronize your accounts with your spending, instead falling back to manual import), but they would not make investors happy by merely offering bank connection services

(God forbid banks be required by law to offer a web connector that allows you to request your own data. A workaround I've tried is to have my bank send me an email alert on every transaction over a penny, so at least I have a record, but never got around to setting up an auto import from my inbox)