You can do a lot with specific and very little with generic entries.
In NL we got the banks to allow exporting [YOUR] data kicking and screaming. Nothing real time sadly but at least it's a thing now.
I would like to force merchants to do the same.
Enforce some protocol that doesn't suck and it should take 0 seconds.
Imagine the things we could build and how many people we could fire.
This level of granularity probably isn't worth it to most people, but I found it useful as an exercise to do once because it opened my eyes to insights about my expenses I never would have thought about otherwise. And if there were software that made this super easy to do (<1 minute per entry), I might still be doing it.