You seem to be building a fair and accurate opinion of QuickBooks Online.

Lots of users here have a similar experience, with broken features and features with terrible designs. Not to mention constant bugs that get in you way.

I saw at least three glaring bugs when trying to create and run memorized reports yesterday in a test file I use to create reports for our Donor Statements product. And also when adding new customers and sub-customers to the customer list. Among other things, the custom reports list intermittently displays without the groups I've set up. Also, memorized reports seem to be able to use columns that don't exist in the user interface when creating new versions of the same report. Weird. Also, after adding a customer or sub-customer, they don't appear on the list to pick as a parent when setting up another sub-customer. The last one set up is always missing.

They are all things I'd never see using Desktop.

I really don't know how users can tolerate using QuickBooks online.