thanks for reading the proposal and for the question, I can see where the confusion is stemming from and am happy to help resolve it
basically paymaster needs a consistent view of total available balance for the user to spend, there are 3 pieces of information the paymaster would need for this:
- locked amount in SCWs
- amount spent on-chain but not debited yet (can be tracked onchain)
- amount in pending (can be looked up in bundler mempool for a specific paymaster)
available_balance = lockedAmount - amountSpentButNotDebited - amountInPending
The above information is available real time and is not blocked by anything onchain, hopefully that helps, but please dont hesitate if you have more questions