Personally, I have no problem paying for it, but I hate the bait and switch crap. I'd rather pay someone who has always been paid, then wait for lastpass to decide to strip more features unless you pay up more.
Personal Capital is free, works amazingly - not really a budgeting tool - but more an aggregating tool. Depends what you want to use it for, it does have some* budgeting capabilities.
Also who is this to protect? The user? What if they work midnights or their days are backwards?