I tried Monarch for awhile, and I really wanted to like it. Like you said, the UI is much better, and the team does seem to be working very hard to improve it.
Unfortunately the importers were just terrible compared to Mint's. I had to re-login to each account on Monarch every time I used it, and I would get constant spam SMS notifications from my bank as their importers would run in the background - often throughout the night.
I know that Monarch uses 3rd party importers, so its technically "out of their control" - but it is a key aspect to the usability of their product.
I also understand that there are security trade offs here - in terms of 2FA, but ultimately on the user side here - I need something that is usable, and "just works". Especially if I am going to pay a premium for it.
Thanks Gabriele, what a fantastic game you have made.