That said, they'll never let you leave them to it. You'll get endless requests to solve their individual problems, it'll make the files bigger and the code more complex, you'll have to add credential management, handle it all when archiving and, frankly, you'll regret taking it on.
The Dropsync type file level approach you already suggest is a reasonable method if not ideal. I would like sync'ing to be available, BUT I'd rather my present and forecast balances are accurate so, overall, I'd prefer you to focus on not breaking the key features instead of adding complexity.
Thanks for a pretty damn good app,
Ed.
Actions like modifications and deletions can be handled in the same way.
A central database can keep the last transaction each device has posted in order to enable cleaning of the folder. That is, all the transaction files less than the minimum transaction id posted can be deleted.