I think that the posts are a continuum - you can think of it like a pyramid. My last thread (“Joint Account Parity Lite”) was about showing that it’s only a subset of features that are relevant, and that even a subset of that would give a pretty full coverage. Then this thread extends the train of thought, advocating that really the only totally critial feature that can’t be replicated in some work-around is custom categories, and what’s more there’s a path that logically feels like not a lot of work to have that, you know, three years early.