From this, we get that accounts should certainly behave like state machines.
And from that, it’s reasonable that other pieces of code ought to be able to
dynamically inspect an account’s current state, as well as its complete graph
of states and transitions. That’s as much a part of its public interface as
any particular method.
I disagree with this a bit. I think that the state transitions are not part of the public interface -- they're an implementation detail of the SM. The public interface of a SM are its states and the events it responds too. It's up to the SM to decide when to do the transitions. (The _author_ of the SM would be very interested in it's transition graph/conditions of course.)
Sounds like you're a filer (I am too). Sounds like emdash is kind of a mix of filing and piling.