Comment by __MatrixMan__

Maybe there were better words I could have used there, sorry.

You can of course track it however you want, but the complexity of what you end up tracking explodes if you're operating on something like a monthly billing cycle. Especially if you have more than one financial institution with an opinion about whether money should/did get moved.

I've been involved with the maintenance of several billing pipelines and having to handle events like maybe the bank was only able to collect half of this person's bill but it took them a few days to let us know that, but we've already sent that money over here so now we' have this deficit and do we shut off their service over a deficit of just $5...

It's a nightmare that's totally orthogonal to the business that's being run. Nobody wants to be on the billing team, but it's viewed as a necessary evil. But I'm saying that it's an unnecessary evil. If you can very quickly settle up for practically nothing, then you can just build the app to withhold service for a few milliseconds until payment clears and then there's no debts to keep track of and resolve later. And having it on a public blockchain means that if you're collaborating with other companies over how the pie gets sliced, there's a single source of truth for how big the pie actually is.