Please, make no offence. There is always more to take into account. I did not offended them, neither you or anyone.
1) I am not newbie developer. I also can't say anything about them. Can you?
2) Advanced settings for simple users can bring worse results from economic side than just sticking to the basics. (From description it sounds that some funds might leave in lending queue).
3) Currently my program is like working draft. It is good to see if anyone would be interested before making fully fledged desktop app. Making 3x times when nobody is ready to pay is bad option. (see economic expression like golden plating)
4) My bad is only that I already have my own program I didn't need to fully analyze their program. It is my first expression from description.
But I agree with your skepticism. From what is written it not worth to buy at this point. It is good to see if anyone would be interested in buying things like that, functions do not matter, as I can easilly create them. If there are interested persons
I understand your point why to buy when you can get free
Now please understand main. I am seeing if anyone would ever pay for similar things to this.
Also thanks for pointing other free software!