Might seem trivial, but to avoid non-unique charge names the key should be included in the generated name of the charge.
In some chart of accounts the names are the same but the keys are different depending on the type of account (ie long term, short term).
I was thinking that the key should be optional but as I think of the issue it shouldn't be optional. Accountants are used to working with both the key (account number) and the name. Without the key the account is ambigous.