Ask HN: What is missing personal money management services?

Personal money management has been tremendously helpful for me. I have been doing it for past decade, storing daily income and outcome and tagging them with categories of spend, etc. Every year I set goals to set some money aside, and use software to help me achieve it my monitoring and analyzing.

Apart from Mint/Quicken, banks have rolled out this kind of service too. But it is still missing something. Most people do not want to record personal expenses, and manage their own money with a software.

What do you think is missing? How can it be more democratized that more and more people intelligently manage expenses and adapt spending habits?