[jms703]

In a world where everything is increasing in prices and salaries aren't keeping pace, you might be able to see it if you imagine what life was like making much less money.

1Password, like other subscriptions, becomes something for the middle class and up, not for the masses.

Vendor solutions become the only option.

[bombcar]

YNAB has done something similar apparently, and things like actual budget are stepping up to take the slack.