You keep slipping around the issue, are you claiming that Bishops, and the religion are forced to merely accept any applicants word for compliance?
Yep, that is what I am claiming.
When I was an active Mormon and held a temple recommend (many years ago),
in various wards and in various states, all of my bishops took my word about my tithing status.
Any talk about having to produce tax returns or other financial documents is pure horse crap.