when individuals who are part of mutiple groups settle their balances, their debts across groups are netted-out with transactions. This feature has almost always caused confusion when I've used it because: 1) users often forget they are settling across mutiple groups so when and unexpected debit appears it confuses them 2) after settling it is very hard to re-trace what the various balances were beforehand, so the user gets confused trying to re-trace what settled what.
I think the settle all balances dialogue and the transactions it creates should give a summary of the various balances that it will settle (or settled) "you owe x for group A and are owed y in group B, etc so are settling with x-y".
This would mean the users know what to expect and can re-trace the accounting more easily.