I understand splitwise's desire to make it "Wiki"-like allow all to make changes/edits. However, it really seems crazy for anyone in a group to be able to delete ALL payments/expenses.

Yes, communal editing can be helpful when incorrect posts are made but this, in my mind, doesn't justify universal access by everyone to make changes. In the event of errors, then the poster should be able to delete or modify them. (I'm sure the poster will be notified of the error if it's identified anyhow)

Conversely, once the payer pays his/her debt, the payer should have an icon (like $ symbol leaving payer to lender) displayed next to his/her name. This is only editable/deletable if BOTH payer / lender agree it's a mistake. Then, once the lender receives the funds, the lender can click the icon to verify receipt of payment. When both parties confirm payment and receipt, then this is 'locked' and indelible (unless again both parties agree to edit/change it).

I understand the Wiki-model may work for many people, but when you are talking about splitting bills and keeping records of who paid and who didn't, this advance option for not giving permission to everyone involved to delete payments/expenses is critical. Although you say there are expense/payment records in splitwise, one should not need to resort to rummaging through this if discrepancies should arise if this optional/advanced function was enabled.

ps just started using the website...looks great otherwise. thanks!