Finance is a professional specialization. It’s not uniquely difficult (or fun), but you shouldn’t expect to be a finance whiz any more than you should expect a random person off the street to be an expert at your job.
Companies employ entire departments to create budgets, manage risk, raise capital, make long-term investments, maintain compliance, and handle reporting. Strong financial planning and operations help companies minimize risk and maximize upside.
Startup employees have a similar job to be done. You need to forecast liquidity, pay taxes, source financing/refinancing, and protect your savings. Even the most financially skilled among us cannot run our own fully optimized personal finance departments.
Startup employees want support rather than having to invent their own financial stack (on top of their day jobs, hobbies, family obligations, etc). No one should have to debug their finances on their own.