Status: IN
Financial systems achieve comprehensive monetary safety when domain-appropriate concurrency strategies (pessimistic locking, optimistic version checks) and monotonic state ratchets (cursors that only advance, preconditions before removal) jointly prevent both concurrent corruption and state regression across all money-movement operations.
comprehensive financial safety requires both concurrency control and monotonic guards; the non-atomic payment balance check leaves a gap
Depends on (SL): concurrency-safety-strategy-varies-by-financial-risk, monotonicity-and-caution-prevent-state-loss
Unless: payment-balance-check-not-atomic