Shame tends to generalize. A user spends too long on the phone and concludes that the whole day was a failure. That conclusion may be emotionally intense, but it is not operationally useful.
Accounting is narrower. It asks what happened: how many minutes were earned, how many were redeemed, and which actions created the balance. The answer may still be uncomfortable, but it is easier to change.
This is why a ledger matters. It replaces a vague self-judgment with a record. The user can see whether the day was dominated by automatic spending or supported by real deposits.
The purpose is not surveillance. The purpose is a calmer feedback loop: observe, adjust the next contract, and keep the system concrete.