I think that services like 22seven are counter-productive. They'll never be as good as doing it yourself because they're doing what you hate - using generalisations to try and figure your money issues out, and give you a false sense of security about your finances. If 22seven does half the job for them, they'll think that it's problem solved, and just keep doing that and never learn to do it themselves.
Give a man a fish and he'll eat for a day, teach him to fish and he'll eat forever. 22seven is giving you fish. That's deep.
Can't for the life of me figure out where they use these generalisations? I doubt you have as deep an understanding as you think you do of how these services work and what they're trying to achieve (you're confusing regular expressions with generalisations) but more power to you and your obscure analogies!