My favorite of all time for exactly this is Spec Ops: The Line. Its a third person shooter and really fun, but its main selling point is making super tough morally gray decisions. Still one of my favorite game stories ever. You can usually get it really cheap and its just perfect for what tou described.

Not sure how similar to Ynab but firefly 3 looks good.

Also I was on a similar search recently and found plaintext accounting and that’s all I use now. plaintextaccounting.org