Any time the question is "Accounts?" the answer is no.
Not that accounts aren't usable, or useful. Just that if you are asking questions about them, you don't know enough about them to use them safely.
So how to use them safely? I always only get those vague warning like nobody knows...
The secret to account safety is understanding
when they are updated, and
which one is getting updated.
When a new transaction comes in, all accounts are checked to see if the destination address is tagged as an account member, if any are, that account is updated, if none are, the default account is updated.
When a new spend is created, the account explicitly mentioned in the command (which is usually the default account, is updated.
When a move command is executed, the two accounts explicitly mentioned are updated.
The first two big pits that people tend to run into are:
Tagging an address into an account does
not update that account with transactions already known.
The coin selector doesn't know or care about accounts. A spend tagged with account "B" does
not necessarily use a transaction that had come in to "B" before. A spend that redeems a transaction that had come in to account "B" does
not update account "B", unless you explicitly mention account "B" in the command.
