Auditing is mandatory and very basic design consideration. Let me explain by an example.
A user creates a payment, later the same payment is altered by other colleague and submit it (the change could be beneficiary or value date or something else ), in corporate world you have group of users who are responsible to create and submit payments and other group responsible for review and approve the payments. Many of the times we do get queries from the user the data we submitted is different when we compare with completed transaction. So this is traced back by looking into audit log, every edit on the original record will be logged as per org. / regulatory standards. If the underlying DB is oracle then this is acheived by creating triggers on the table where the data is stored , the same can be acheived almost in every technology. Disk space costs is a dumb answer, the storage costs are very very cheap and we can have process to archive the logs once the logs are X days old to release the space.
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