Counter-intuitively, making terminal software is harder because you have to think hard about the UX. You have to design how the accountant (or the user) is going to use, you have to make shortcuts, you have to think about the progression, etc... This is not the case for what's happening on GUI-land where the "designers" just randomly put texts, buttons, buttons that look like text, input boxes, tables, etc... It's all there just click a few buttons to get there.