As an example, I recently went on holiday to Ukraine with some friends, and paid for both private things and group things with my Monzo card, but we only had sporadic internet access. The metadata / locations with those transactions was wacky to say the least, but I had separately made a note of every time I spent money, or kept the receipt.
On coming back and making up a spreadsheet of what everyone owed everyone else, it was a bit of a pain remembering and cross-referencing everything, and local times would have made it a tiny bit easier.
I realise this is quite an edge case, and it wasn’t impossible without local times, and maybe I should have had internet access, I should have made better notes, or used the note fields in the Monzo app, calculating local time is easy, maybe I should have monzo.me’d everyone in real time rather than deferring the admin until weeks later, etc. etc. … ah well