Yep, I agree, it's a pretty big upcharge. That's precisely why our 'free tier' is the 'no account' option (https://ufincs.com/noaccount). I'm not kidding when I say it's the full version of uFincs; the only (real) difference is that you don't have an account to sync to. And if you make sure to never log out (or take the time to export/import your data every time), then you can basically simulate having an account. It's just a free tier of 'inconvenience' rather than 'features' or some such.

But yeah, there's definitely some pricing psychology at play there. Thanks for taking the time to leave some feedback!