“...it happened to them or have family members or friends...”
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I can only relate my personal experience over a period of 15 years or more.
If anyone says that finacial documents and/or tax records are required to somehow proove one’s tithing status,
they may be lying,
they may be confused,
they may be reporting hearsay,
or they may have encountered a bishop who was out of line.
I have no way of knowing what is in their heart.
They could be telling the truth
They probably are not confused
They are not committing heresy
You are meeting bishops out of the norm
My experience with lds goes back to 1962