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I appreciate all the effort you've put into sharing these details.
I can also see how convenient it is for you and your business. Currently, this is still a limitation. As we value your suggestions, I recommend sending your feedback to our Product Development Team. Here's how to send feedback:
Our product engineers will consider your suggestions, and you can always check the status of your request through this link: QuickBooks Online Customer Feedback.
On the other hand, I agree with you about using invoices for all transactions with multiple payment methods.
You can utilize these articles to guide you in the future:
Feel free to post here again if you have further QuickBooks-related concerns. We are available 24/7 to lend a hand with each of your queries. Stay safe!