I think we agree up to "a 'loss' implies the lack of ability to use something you once were able to use". Since a dead person is unable to do anything, being a

I think we agree up to "a 'loss' implies the lack of ability to use something you once were able to use". Since a dead person is unable to do anything, being a billionaire or not leads to the same conclusion. Where we differ is on the feeling that comes from that lacking. A dead person feels nothing and by your definition is not losing anything since they can't feel it. this is all very true and I agree, however as humans we can sense impending events and a since death is an indisputable fact the feeling of this eventual loss can begin to haunt one before it actually sets in. So technically we can argue that a billionaire begins to feel the cost of losing it when she becomes a billionaire. (since she knows she will die and lose it).