Re: One solution...
The whole point of these is so you can keep track of why the money is going in. If I'm paying my mate for some concert tickets, and petrol money, then he's passing some back as I got the beers in - its a lot easier to keep track of the meaning attached, than to maintain a seperate transaction tracker and then cross reference by amounts. Even if that transaction tracker is your head, the meaning of words is more useful than numbers in this case.
Perhaps a mechanism in place to report (or even block) these from specific accounts, rather than annonomise, wold work? Then I can send my mate money for "Fridays beers" (or his "boob job"), but a victim can have redacted messages, keep the money, and have physical evidence for the plod to back up a tricky to prove crime