Electron is a good solution if you need to access certain features of a desktop application (e.g. access to files), but still want something that is easily web based.

I'm going to use it to build an iPhoto replacement, what I've got so far is web based but I'll package it up with Electron.

Personally I can't stand html and javascript. In addition, writing Qt style C++ is really fun and productive. As a bonus, our software works in both Windows and Linux (and probably mac). Personal finance work is not so nice to do on mobile so the app route would not suit us either.

Not saying that other solutions would not be better, but it all comes down to what one prefer to use :)