I gave GNU Cash a real honest try about a year ago and couldn't figure it out. I don't think I'm above-average intelligence, but I'm very software-savvy. And I simply could not do it. Like at some point I got angry and decided I was going to crack this code if it killed me to do so, and I literally failed.

GNU Cash may or may not be beyond the ken of mere mortals. But it's certainly beyond me.