Anyone who has even a little education in finance knows about the “time value of money”. A simple concept that a dollar today is worth more than a dollar a year from today. For secure transactions it usually shows up as an interest rate.
The break-even tables are calculated ignoring the time value of money, almost as if the government skipped class that day. But, if I am even one day late paying them a tax, that department knows all about the time value of money and I am charged interest for making a late payment.
If one accounts for any realistic interest rate, the break even dates get later and later...
everyone re-read this one real closely like.
BINGO again!