Ask the loan shark from the chop shop down on the corner when he's breaking your legs with a bat how he kept such accurate books with only a cashier's ledger no

Ask the loan shark from the chop shop down on the corner when he's breaking your legs with a bat how he kept such accurate books with only a cashier's ledger notebook and no cloud based spreadsheet formulas. How they would run their business without spreadsheets is the same way that every business ran before spreadsheets existed. Or maybe if they didn't try to emulate legal businesses, who keep books for tax audit reasons, they wouldn't get caught. They are keeping audit records but the last thing they want is anyone to see those records. You don't need them the way legal businesses need them, the less paper trail the better.