For many new users, it would be interesting to have different categories and sub-categories predefined. Because for now, we have to enter them manually, and with a fresh start, it's kind of a hassle to do it. For new incomers that are not familiar with them, they won't be able to figure out which categories are necessary and revelant.
For example, mine is basically the one copied with the Money app enhanced with some of my own sub-categories.
I can provide the categories/subcategories in French & English (this latter would be a translation as I do not have the original Money app). If interested, just poke me and tell me which format is expected for thos categories/subcategories.