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.
Ok, let me clarify. While a credit sink does not need to be universal, I believe that they work best when they are universal and not voluntary. This is my personal opinion.