This is true if you are on Windows. If you are not on Windows, or are someone (like me) for whom your OS is not always consistent, then Quicken/Money are not really options (if you can figure out how to run Quicken/Money on Linux/Mac, then you can figure out GnuCash). Moneydance is more for Mac users as well as casual Linux users - for example, there are some people for whom I am able to either replace or put together a small, cheap Linux machine that they can surf the web and read email from, and that's all they need... but sometimes they want to be able to write a document (OpenOffice/Abiword) or track their finances (Moneydance). For Mac users, I've heard that Quicken for Mac is horrible, in which case Moneydance would be the clear winner.