Why grouping matters
A single statement is already atomic, the database finishes it or does not start it. A group of statements is not. Between two statements the table is in a half state, and a crash or another reader can catch it. BEGIN and COMMIT turn a group into one atomic step so the half state never exists.
The word transaction
This is the same promise every serious database makes, and sqlite gives it to you through BEGIN, COMMIT, and ROLLBACK. The rule is simple: any set of writes that must be true together goes inside one transaction. A transfer, a booking, a move of money between accounts, all of them are one transaction, not a sequence of loose updates.