I was a long-time holdout for previous versions too, but as of April the download from financial institutions was “turned off”. So if that’s how folks were updating their accounts, that ability switched off. All the accounts would have to be updated manually. There are other issues as well which earlier versions of Quicken won’t do or couldn’t do, but that was the biggie.
But now I’m curious – are you still able to download transactions with yours, or did you never use that function? That’s the only reason we updated ours.