That’s not quite what I meant
What you’re describing is using your bank’s website to do a report export, then you bring that export file into Quicken via the import feature, ie “pushing” information into Quicken. I was referring to Quicken “pulling” information directly from the bank. Not all banks offer the export that you’re using, and some make you pay for that service. For those banks that don’t offer if, or charge for it, folks would have needed to enter things manually. Every transaction would have to be added, one at a time, by manually typing in the date, the payee, the memo, the category, the amount, then saved.
There is also the issue of changing tax rules, if anyone ever uses Quicken for prepping their tax returns. Quicken isn’t the primary way to do that (TurboTax being that company’s primary tax reporting software). But Quicken did categorize tax spending and provide some preliminary reporting. As tax rules have changed, updated copies of Quicken have changed too. Using such an old copy, none of those changes would be there.