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And untangling that clusterfuck can be damn near impossible.
The reaper may not present his bill immediately, but he will always present his bill eventually. This is a zero-sum thing: There is no net savings because the work required can be front loaded or back loaded, and you sitting there at the terminal in the present might not know. Yet.
There are three phases where time and effort are input, and wherein asses can be bitten either preemptively or after the fact: