> not only projects cash over time by including known expenses and incomes over time, but adjustments so I can actively reconcile
To me I would say YNAB does all of that for me, I use goals in YNAB and that gives me the projection I need. The biggest piece that's missing for me (and maybe this is what you're referring to) is how can I be sure all of my goals for the month/year add up to what I'm projecting that I"m actually making. I go to a spreadsheet for this about once a year to be sure my goals aren't impossible. But to be fair it's pretty obvious when this is happening as my goals are red for each month.
Generally when I see folks complain about what you're complaining about and I walk through their finances they tend not to actually be budgeting, they really just want a way to look at where their money is going historically and have a couple buckets for saving cash. Mint was good at this (it's finished now) but I think YNAB and apps like it (Lunchmoney) are better