> the actual "accounts" should represent places money can actually go to or did go to
I'm not an accountant but I don't believe this is true. You can use accounts for anything you like. I implement a simple tagging system on top of beancount using accounts like Expenses:Food and it works just fine.
Agree, and if you don’t like the account naming changing it can be a simple cut-and-replace ^h operation. Beancount also supports hashtags on transactions if you need (e.g.for certain events like vacations)
(Plug: I helped add “extension reports” to Fava recently, so you can now also make your own Jinja templates for your bespoke financial goals if querying+custom links isn’t enough)
I'm not an accountant but I don't believe this is true. You can use accounts for anything you like. I implement a simple tagging system on top of beancount using accounts like Expenses:Food and it works just fine.