This sounds like MoneyHub to me. I gave up with MoneyHub partly because this behaviour irritated me so much.
Personally I wouldn’t like a system that forced you to categorise or review every assignment. If such a system were introduced I think it should be optional.
Give the icons under the Net Worth some title/explanation - don’t make users guess what they are. Is the third one “Settings”, “Buy Flowers” or a really plump gummy bear?
Add a scale on the graphs - my personal pet peeve about current Emma because whether it’s £10 or £1000 increase, the graph looks the same.
Put the upgrade options in context, not on it’s own tab. Add it to a More tab, but also dot the upgrade benefits where people will see a benefit, e.g. refresh the accounts - show a banner to upgrade for increased bank refreshes. Add a ghost transaction just below what looks like a cash back opportunity, etc etc
I love how you are looking to encourage people to SAVE - please enable roundups using Open Banking VRP this year, and please help and encourage self employed and digital platform workers save for their taxes (even if just suggesting this as a category for pockets). They will thank you later.
Make the gummy bear smaller on the upgrade page. As a follow on from the “childish” colour comments, I want to feel special and feel like I’m getting value, and a visual aid as to what I’m going to get if I upgrade is important to me. I don’t want to feel like I’m upgrading to a bigger gummy bear.