Agreed. If you haven't spent the time to understand what debits and credits are in a double-entry book keeping system, then you really shouldn't be trying to do accounting.
There's a large use case for simple personal bookkeeping that doesn't require double-entry accounting.
Most people have some fixed recurring bills (insurance, rent, subscriptions, etc.), some variable recurring bills (utilities, etc.), standing payments like savings, and monthly spends like groceries.
For them (myself included) something that lets you simply input recurring expenses and your income and show a running tally is pretty much all that's needed, add some simple transaction tracking and you're there. Basically all you really want is two things:
1) Given $2000 at payday, how much of that is available to spend if $X is going towards known expenses.
2) The day before payday I have $Y left in my account. Where did I spend the $2000-$X?
Which means you have to take out money from one account and transfer it into another. Which means that you need to understand that you must debit an expense as it decreases the owners equity credit balance, and then you must understand that it causes a credit on your bank account.
If you don't have this, then you won't be able to work out where you spent your $X amount of money.
