Good point! I tend to think of the time value of money, loosely speaking "opportunity cost", as a sort of risk (the risk that you needed the money right now to

Good point! I tend to think of the time value of money, loosely speaking "opportunity cost", as a sort of risk (the risk that you needed the money right now to go do something else with it), but that's a pretty idiosyncratic way to think about it, really.