Thank you for the excellent reply! I think I understand now... Once a business starts transacting in things other than a single type of money (say durable goods, consumables, services, or say other types of money) it becomes necessary to reconcile these non-money-denominated accounts. And for that, you need more than a single database, or single spreadsheet. You need a suite of persons or softwares that can __account__ for these stocks and flows, and the rules that come along with them.

And that is called ERP, of which "simple" money accounting is but one component of.

So root commenter's objection was more along the lines of: "those are some bold claims for mere money-accounting program. if you used a _real_ accounting program (as in an ERP) then you'd understand how complex peoples' needs can be". And the tone they phrased it elicited the downmods :)

I guess I understand. I still admire the OP and the frustration that fueled their desire to create a tool that works for them. And the tone of the readme is very endearing, it reminds me of the things my IRC friends would say to kick-off a lively discussion...

And so it has!