It's a pleasure to hear from you that you love QuickBooks, @richardbushell.
Adding Starts with option in QuickBooks Online is a good idea. And I can see the benefits of having this option as an additional function under bank rules.
Bank rules work best when you have the same types of transactions from the same customer or vendor. Each time QuickBooks uses rules, it puts those transactions in the Recognized section of the For Review tab. This way, you can still review them before clicking the Add option to avoid mismatch.
The Community recognizes feedback and suggestions from customers like you, which can help us improve our product and services. I'll be sending this matter to our Management team so they could come up with the best course of action for future enhancements.
In the meantime, consider visiting this article to learn more tips for managing bank rules in QuickBooks.
Please know that we’re doing as much as we can to make sure QuickBooks Online suits your business needs. If you have other concerns or things you’d like to share on our page, just leave a message. I’ll be here anytime.