Same here. First of all that reliance on people giving you access to their accounts is super sketchy in my opinion. I used Mint for a long time until I realized how insane it is for them to be able to access my bank and investment accounts.

Good for them if they find people paying for their service but same as you, I don't see how this can't be solved with a spreadsheet.

I find services like these bothersome for a different reason. A major selling point is catering to people that have difficulty getting the cash together to front a utility bill or rent. For every app that exploits people's inability to manage their finances I wish we'd see an app that teaches financial literacy and responsibility.