Why does banking in Canada/US still feel so… behind?

I’ve been trying to get better at managing my finances lately, but honestly it still feels harder than it should be.

A few things I personally struggle with:

• knowing how much I can safely spend without stressing about upcoming bills
• keeping track of subscriptions or recurring payments
• understanding where my money actually goes month to month
• switching between different apps/accounts just to get a full picture

I feel like I either:

1. track everything manually (which gets tiring), or
2. don’t track enough and just hope I’m fine

Curious how others are handling this.

What’s been the most frustrating part of managing your money or banking in Canada?