This is honestly not better than the LLM-powered double booking system where i just record in plain text, and have the LLM convert it into journal entries. the entire thing is in plain text and backed by git+remote. Recording finances is the hardest part about tracking finances because you tend to forget/get lazy/need to track across multiple family members etc.

This is solved via LLMs that can transcribe, categorise, convert messy records into structured book keeping.

I remain unconvinced that anything more rigid is more useful.