>Second, the fact that Quickbooks is so awkward and inconsistent to use isn't a UI problem, it's a feature. This is an important lesson in designing software that people use for their jobs. When you make elegant, intuitive software that almost anyone can use in short order, it stops being an impressive item to put on a resume. And it stops being a barrier to entry for competing professionals.
A good professional product does not have "awkward or inconsistent" UI. It has consistent, useful UI that can expand as user's sophistication grows. i.e. it has a learning curve
The curve for learning an "awkard and inconsistent" UI you highlighted is useless and a detriment to SMB's everywhere. A proper SMB accounting approach would to have standard patterns for doing simple accounting with the ability to grow and extend as sophistication of your org grows.