This Formal Comment was adopted by a vote of the WG.

--
John Cowan  <cowan@ccil.org>  http://ccil.org/~cowan
Micropayment advocates mistakenly believe that efficient allocation of
resources is the purpose of markets.  Efficiency is a byproduct of market
systems, not their goal.  The reasons markets work are not because users
have embraced efficiency but because markets are the best place to allow
users to maximize their preferences, and very often their preferences are
not for conservation of cheap resources.  --Clay Shirky

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