I have recently switched to HomeBank due to its quality, simplicity, and
existence on Ubuntu.

However, this issue is a major problem for me.  I believe that your
assumption that the majority of people would not use this feature is
entirely incorrect.  For me, this is a serious issue---much more serious
than "toilet paper vs carrots."  I pay a home health aid and, for legal
reasons, I need to keep track of her wages.  However, most of the time I
include grocery money in the check that I give her, since she buys my
groceries.  Without splitting the check, I cannot keep track of her
wages versus my grocery spending and reconcile my account without a
large hassle.

Why are you so against this feature?  This *is* hurting your user base,
whether you think so or not.  Otherwise, I have been more than happy
with HomeBank.

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https://bugs.launchpad.net/bugs/140504

Title:
  wish: (low) category split for transaction

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