mike I agree with you,, but at the same time, this would be an incredible competitive feature.
What are you using right now?
You've mentioned these limits but:
1/ Invoicing. Stripe/Paypal does this. No, Enhance.
2/ Automation. Which one specifically are you referring to? For sure, there is user account creation/auto-provisioning but client almost has this already in enhance. It already has the Client UI, packages, and websites.
3/ Reports. The best reports are already there inside your payment gateway. Stripe offers a lot of reporting. So do Square and Paypal.
Have you dug into Stripe product management, funnels, customer portals, etc.? Or Squarespace?
There must be a way to have something lightweight without the bloat.