Seeking input for what feels like a massive red flag -- the company i work for has struggled to get clients to provide bank statements (obviously not a unique problem), slowing down our ability to reconcile accounts. clients leave citing inaccurate bookkeeping, not seeing value in our services, etc. so leadership is thinking about removing bank reconciliation as a required process for the sake getting more clients to stay. instead they want to use an API to pull the balance of the clients' accounts on the 1st and last day of the month, make sure the transactions tally up, and consider that a reconciliation. no matching to bank statements or statement periods. we only do cash-basis, no accrual accounting. i can't articulate why, but this feels very risky. am i overreacting?