I don't know about hashgraph but I do know that with blockchain it doesn't store the 'state' of your wallet at all. It only stores all the transactions from the beginning, and when you access your wallet it actually goes through all of the transactions from the beginning to calculate (recalculate?) your current wallet's worth. In no way and in no moment is ever a 'snapshot' taken of your wallet contents because that's not how the blockhain works.
Basically if we start with 100 coins, the blockchain will only store that 50 went to you, and 50 went to me, then 25 of mine went to you and 10 of yours later went to me. Your wallet software then calculates that based on these transactions your wallet contains: 50-25+10=35 coins. Without knowing the previous transactions you cannot calculate this.
Additionally, it depends on your outlook. Some people see privacy as a must-have feature for crypto, but another group of people will say that transparancy is one of the killer features of crypto.