Think about how insane this would sound in any other context. “I really loved that meal, but I’m not tipping the waiter because this $5 could be worth $50 if I invest it properly.” Or “Great haircut, but I’m going to skip paying because this $40 might appreciate if I put it in index funds.” How about “Thanks for the coffee, but technically this $6 could compound over 30 years, so I’m gonna need this one for free.”

We’d rightfully call this person a cheapskate with delusions of being a financial strategist. Yet this is EXACTLY the logic we use with zaps.