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.
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.
Ok, understood. I will give that opinion the consideration it's due.