This dichotomy happens with many specialized fields of knowledge. It is very important to develop the relevant rhetorical skills to communicate the value propositions of what you are trying to accomplish.
From the OP, I was going to post about the inherent risks of being an entrepreneur, but seems
this is not where the thread went...
Going down this road of discovery myself. Hoping the "Passwords" app has been improved.
Initially it looks promising.
I would agree that QB online is not as robust as the desktop version, and depending on your tranctional load, the Online version can have some issues.
Xero is a good alternative to evaluate.
Also, https://xtuple.com/ has both a local and cloud hosted options. Also, they have a free version too. It is more in a class with Sage, which is good as well, but can get pricey. However, these two can scale better.