Nobody cares about any single piddly congregation with its $1000 checking account and $800 monthly expenses.
Actually, when I was involved, I was surprised at how feverishly the CO cared about the congregation accounts and auditing. It wasn't just that the receipt totals needed to match the deposits, but that the deposits had to be made right away after each meeting, no matter how small the amount of money collected or the inconvenience about finding a way to get that last deposit in before the month ended. Most of these accounts servants were rather downtrodden MSs with crappy jobs working long hours, so their wives were helping... but had to find some young, snot-nosed, newly baptized kid to sign the receipts because women didn't qualify to sign things in those congregations.
So there's transparency at the congregation level. There is much less transparency at the circuit level. And believe me, I've been in circuits where the CO has dipped into circuit funds like they were his personal piggybank. Above that? The money disappears into a black hole.