Thanks for putting so much effort in your answer. If you think about it, it's kinda scuffed and you either end with existence is not possible or there was an action that was not caused by one. Just like you said.
Try StackWallet. Best Wallet I know with a good design. It available on Desktop and Mobile so yh https://stackwallet.com/ https://github.com/cypherstack/stack_wallet It has Tor too btw