I'm not surprised because it's the differentiating camera feature between the SE/XR and the 11. My friends and family that have Night Mode love it, but most don't care that much about multiple lenses. I too believe the SE is up to the task. Hopefully someday Apple will issue a software update that enables it.
Either way, I'm going to upgrade as the 1st gen SE camera is showing its age. Everything else about the 1st gen is still good enough for me.
I think @Richicoder is right. USAA's tools haven't been updated in a while and are a pain to use. Their tech is still really good for a US bank. Personal Capital has been pretty painless (besides the occasional bank/investment syncing issues). Personal Capital's investment and retirement tools are quite nice. The only downside to Personal Capital is their advisors calling to try and sell their service. I eventually blocked their numbers and haven't heard anything from them in years.
A long time ago I used Mint. If I remember correctly, I had tons of syncing issues and problems navigating their UI. I tried USAA for a while, but eventually stumbled upon Personal Capital. I passionately dislike Intuit due to their pricing practices of Quickbooks Online, so I'd never use Mint again ;)
USAA's checking/savings accounts have most of those features. You can connect external bank and investment accounts. Track home value. Categorize transactions. There's more features, those are just the ones I know about. That said, I still use Personal Capital to track my finances.
Either way, I'm going to upgrade as the 1st gen SE camera is showing its age. Everything else about the 1st gen is still good enough for me.