Understanding the "cost" of cflock, part 1
And I wanted to offer some additional thoughts--first planning to offer them as a comment--because there's a lot behind the question and his observations. But as it got longer, I realized it was too long for a comment. Also, I didn't want people to think (in reading a comment on Ben's blog) that I was challenging Ben or questioning his understanding of the matter! Not at all. :-) Instead, I was just wanting to add more context, to help other readers, and based on my years of observing the community.
What I offer here is pretty much exactly what I wrote, but I have added headings, to help readers here: