[tinosar]

Hi Fair challenge, and for a lot of personal finance tooling it's exactly right — and honestly for double-entry too, in two cases: if your finances are simple (one account, a salary), it's overkill; and if you track meticulously but never act on the picture, it's just theater with better-looking books.

Where it earns its keep is when the single-stream "money in / money out" view starts lying to you — several accounts, some debt, reimbursements, an asset or two — because a spending pie chart can't tell you where you actually stand. Double-entry forces the books to balance, which catches errors and gives you a real net-worth position instead of a vibe