Forced use of 64-bit applications

As it happens, I now have an answer to my own question. As I attempted to enter some historic data this evening, I got a message saying that the transaction file is full. I was working with investment transactions, so I crossed my fingers and tried entering a transaction into a credit card account. No dice--evidently there is only one comprehensive transaction file for all transactions of all types. It must be pretty generous to let me get 30 years of data into it, but it is not infinitely large. My bet is that with newer versions of Quicken there is either no such limit or a much higher limit. I can get around the problem in any of several tedious ways, but basically I have run into a genuine limitation of the program and not simply a matter of Apple's being arbitrary.

I'm not sure how a snide and demeaning response is helpful, but thank you, I guess, for taking the time to post it.

Bob, thank you for your clarification. I guess what I am trying to ask is whether permitting 32-bit software to run would somehow degrade the performance of the overall system. All of my other software is 64-bit and I'm fine with that; I have no desire to disadvantage myself. And I don't know enough about systems to know whether continuing to permit 32-bit software to run would create problems. If not, though, it seems quite arbitrary on Apple's part. Quicken was a part of Intuit in 2007; that is no longer the case, and neither company has any incentive to upgrade what I continue to feel is the best version they have ever put out--and I have used virtually every version up to Q2007 that has ever existed. I have also used its successors, and they are, from my perspective, functionally inferior to Q2007. Maybe not from a machine operations standpoint, but when it comes to handling my financial and other data in the way that works best for me, they simply are not up to the task. I have installed a virtual version of Mojave under Parallels and it is working for me, but it is a clunky solution that I wish I could avoid. At least there is a solution, though.