Thanks for getting back to us, and I got the point you're making, @alext-pobox-com. 

I've tried this on my end, and everything seems to work fine. The system won't automatically create an invoice with a payment once an estimate is set to an accepted status. In this scenario, I'd like to verify if you've done performing some troubleshooting? If you haven't tried it yet, log in to your QuickBooks Online account in a private browser.
 

• For Chrome, press Ctrl + Shift + N.
• For Microsoft Edge or Firefox, press Ctrl + Shift + P.
• For Safari, hold down Command + Shift + N.

If everything works well, you can clear the cache to optimize QuickBooks' performance. Also, you can use other supported browsers.

If the same thing happens, please give us a short call to report this scenario. We'll need to further investigate this using our appropriate tools. To contact our Support Team, you can follow the steps below.
 

1. Sign in to your QBO account.
2. Click the Help icon and follow the on-screen instruction.
   

Still, you can check these articles to learn more about estimates:

• Create and send estimates in QuickBooks Online
• Convert an estimate into an invoice in QuickBooks Online

Also, if you're going to track your estimate entries in QBO, you can run the Estimates by Customer report. For more tips about running reports, you can visit the links below.

• Memorize reports
• Customize reports

Visit again if you have more concerns as you go along with QuickBooks. Stay safe and have a good one, alext-pobox-com.