clacct took a little effort to get working, but in the end, it was worth it.
Very straightforward, no interface to speak of, and line-by-line account management. For multiple users and accounts too, apparently.
Like clipf, there doesn’t seem to be a way to edit transactions once you’ve entered them, but the account files are hand-editable, so that shouldn’t be a big problem.
clacct can handle IOUs, which seems unusual among console banking tools. It’ll transfer money between accounts, show recent transactions or a full account history, and a few other things.
And if the home page is to be believed, you can set up rules for regular transactions, like paychecks or automatic bill payments. I’ll be honest: I didn’t dig that far into clacct.
clacct isn’t new; the timestamp on the tarball is 2004, but it seems to work fine for me in Arch. If you decide to try it, you might need to install perl-date-calc, or the equivalent in your distro.
Happy accounting. 😉
Inconsolation 
In my experience, accounting software eschews deleting wayward database entries in favour of entering a reversing entry to cancel the error – this is in the interest of maintaining an accurate audit trail, something accountants (honesty ones, at least) are pretty adamant is A Good Idea.
I see. I guess that makes sense. Still seems a bit awkward to me, as a layman, to think that you have to reverse an entry even just for a single typo. If it’s convention though, then it’s probably the right way to do things. Thanks for the note, cheers!