For what it’s worth, most of your comments aren’t eligible for copyright; they aren’t sufficiently original or information-packed. Just like @onlinepersona@programming.dev and their licensing efforts, it’s mostly a vanity to attach a license to unoriginal one-line throwaway jokes. I wouldn’t say that it’s arrogant so much as lacking in self-awareness; a one-liner must be deeply insightful, contain a pun or paraprosdokian, address the current zeitgeist, or otherwise be memorable above and beyond the time and place that contextualized it.

Like @devtoi@feddit.nu I use plain-text accounting (PTA) to manage a few bank accounts, including small businesses. In my case, I’m using hledger. Every time I get a receipt, invoice, or statement, I type it into a text file. My bank gives me CSVs which are easy to import. Reports are done with a few commands; repeatable reports are done by saving commands to a shell script. hledger comes with builtin tools for monthly reports, BSE, currencies, pending invoices, closing/opening new years, and those are merely what I recall using recently.

Here are some questions that I want to answer when evaluating a new chat app:

• How is it hosted? What is the network topology? Which Trent must be trusted?
• Has the cryptography been audited? What are the primitives and protocols used? What kinds of guarantees, aside from basic privacy, are actually established?
• What happens during a disaster? Am I easy to dox, track, etc.? What bad things happen if somebody takes my phone from me?

This looks like it took a lot of work, and I’m not dismissing it, but it’s important to know that most of us are going to look at new chat apps by comparing them to what they already have. “P2P encrypted” doesn’t sound like actual security.