Thank you! I appreciate the detailed answer.
khagan
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@SophisticatedJ You can report with the Feedback Assistant on your Mac or at https://feedbackassistant.apple.com My Feedback # is FB11723508 though I'm not sure whether/how you can reference other people's feedback.
I should also note, Transaction.unfinished doesn't appear to have anything in it on app launch when Transaction.updates doesn't emit anything in my case. (Even though I know there are multiple unfinished transactions waiting.)