I have researched Zero, as it was suggested as an alternative. But my research shows it's no better and customer service also nonexistent. 

The door has been wide open for a while for another decent company to see the need and jump in with a similar but more reasonable product. I don't understand why it hasn't happened yet. 

And yes, I now have added myself as an accountant (make sure you use a different email address) so that I can undo reconciliations. At least there's a workaround, but we really shouldn't need one.