Detailed how-to securely integrate Github Actions with AWS using OIDC, I encourage you to read this before you actually need it, everything would be easier only if you give yourself the time to learn it
I also was in the same boat as you, I even paid for a year of YNAB. However, I had anxiety of giving full access to my bank account and importing it manually became a chore, soon I just stopped all together.
I support your decision of blocking phone access, even tho it was a surprise, maybe explaining why is better than label it as a technical limitation
I second, we have improve in many aspects of the UI, others like visibility, no so much.
Take a look a my experiments exploring ways to sense the virtual environment