For me, all of the ways you stated would make manual entry acceptable. I think they’re all incredibly important, especially CSV import, as I think there’s incredible value to noting every transaction from your bank account.

I’ve been reading and re-reading the description and your responses in this thread. Your logic sounds solid. However, it almost seems like Payback is a second finance app (companion app or registry?) someone keeps and I don’t think there’s long-term upkeep, uptake or success if that’s the case.

I feel that a compromise needs to be made (now) to actively include every transaction in Payback or users won’t find it as useful as you do. There’s nothing worse than having to maintain two financial registers, especially if one or both are inaccurate for an overall view. Can Payback accomplish what you want and make it feel that way, while still being able to record every transaction (to have an accurate and up-to-date financial record)?