Please tell me where in that post I said that credit sinks must be universal. Pointing out an already evident fact-- that repair costs are universal while the proposed alternate credit sinks are not universal-- is a far cry from claiming that credit sinks need to be universal.
The very nature of your posts in regards to that seemed to dismiss any ideas that weren't universal. Just using your apparent intent would lead someone to believe that you feel those credit sinks need to be universal or "they won't work". If that's not what you meant then by all means feel free to clarify.