I take photos of receipts to protect against those scenarios, I just don’t cross reference them unless something looks “off” when I categorize monthly.

I suppose I could have fallen victim a few times on tiny amounts never knowing, but in total couldn’t be more than $100 over the past several years. I also tip pretty well on smaller bills, so that probably reduces my exposure a bit.

I respect the discipline it takes to audit everything, but for me it doesn’t seem worth the effort.