> For instance, I would pay for a high-quality service like Mint (I don’t use it) that kept my data private, but there is none.

Have you looked at ynab.com? I find their overall philosophy on budgeting to be more effective, the app is high quality, and it's solely about your budget, not about offering you credit cards.

It's one of the few products I recommend to anyone, and it's relatively expensive ($85 for the year I believe).