I'm certain something like Quickbooks could integrate each one of those bullet points.
I think the underlying issue is not every consumer has a background in accounting. People want basic information tagging without the 'complex' components from tax reporting. This is analogous to thiel's assertion - it's difficult to sway consumers if there isn't a 10x improvement from one tech to the next. Accounting software is very much like that. You might find different improvements, but you're also constantly making trade offs (price, setup time, etc.).
I think the underlying issue is not every consumer has a background in accounting. People want basic information tagging without the 'complex' components from tax reporting. This is analogous to thiel's assertion - it's difficult to sway consumers if there isn't a 10x improvement from one tech to the next. Accounting software is very much like that. You might find different improvements, but you're also constantly making trade offs (price, setup time, etc.).