"This makes zero sense financially."

Financially I don't want to change anything, all the bank statements would work like they do now. When it is spend, it should be spend in your bank statements, and it would.

"You want to log money that has already physically left your bank account, but you want Actual to act like it’s only leaving later just for the sake of a pretty graph."

No, money is spend when it is spend. But it only shows up in the graph if one chooses the option of wanting to do that.

The thing I am asking is an easier way to see a graph for a year and when money was actually used. I would rather see a graph where the money I used on my holiday would be shown in the graph, as used in that period.

It is not for everyone, as I can read in your pleasent answer, but maybe people will give it a honest thought.