I've read all of the discussions here about YNAB and Dropbox, and I'm intimately familiar with the non-existent security controls on Dropbox volumes, but I'm wondering when, if at all, YNAB will start securing the budget file itself, directly. Yes, I could use TrueCrypt to secure the file, as I do with other data that goes into Dropbox and SpiderOak, but the file itself, needs to be secured.
This is crucial, regardless of what filesystem, online service or other storage medium you decide to transport your YNAB file across.
If someone were to get their hands on a YNAB file, either on a Dropbox share, via USB key or other method, they would have an enormous volume of data that could be maliciously over-used in various, nefarious ways.
Is this in the YNAB 4 (or later?) roadmap? Implementing an encryption algorithm that is current, tested and secure should be easy and straightforward, and still portable across all supported mobile platforms.
I just paid the $60.00 to make sure I could continue using YNAB, but when I tripped on the plaintext data in the file with a simple text editor, I was compelled to write this plea.