So, would Your paperwork stand up to scrutiny then?
I assume you are referring to paper-work/records I keep during the course of my work. I couldn't guarantee that close scrutiny would fail to find any errors. From time to time, I've found errors or had them pointed out to me.
If, the last time that you piloted an aircraft, you had been "ramp checked" would you have failed to be able to show compliance with the regulations?
I believe I would have been able to show compliance. However, I'm only a self-fly hire PPL so it's a relatively simple process.
My fundamental disagreement is with your proposition that "Only two things can cause this."
I have seen instances where sloppy paperwork has been an indication of a sloppy operation/pilot, but it doesn't by any means necessarily follow.
FL