Yeah, that's something we have received feedback about several times. The initial reasoning was something like this:
1: We didn't have MFA until we had PRIME. Generally speaking, we only add new features to our higher-end plans.
2: Our business model doesn't allow us to give away stuff for free. No ads, no selling data, simple subscription based pricing. MFA costs us money (SMS, phone calls).
So that's the logic, which I understand might not be very convincing. We are exploring making it part of our free plan, or a lower tier plan.
Forecasting is one of the strongest aspects of our product. We also provide alerts ahead of time if we can predict your account balance will fall below zero (or whatever threshold you configure). Forecasting can also be used to preview your expenses/income/cashflow for the upcoming months / years.
We do have an API, but I admit it's not the best around. Other than that, our product does all the 6 things you point out.
Our product is very optimized for people who want to see things ahead of time. Entering stuff manually, reminders, budgets, forecasting, all the way up to retirement planning.
About stock options: We do support automatic syncing with investment accounts. Is your institution not supported? Or is there some other issue you are facing?
If you'd like, you can email me at [email protected] and I would love to assist you further.