This is a very good answer, and it can be summarized with the word “value.” I would just add that value is shared between the user and the maker: it needs to b

This is a very good answer, and it can be summarized with the word “value.” I would just add that value is shared between the user and the maker: it needs to be a win for both sides. So that “maker value” has to be included in the evaluation. Cheers!