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Comment by cornell532 | Hacker News Reader

"_*Permanent liability*_" Are you insane? You have the cash in-hand. The customer has made an interest-free loan to you. You're ACTIVELY trying to *DISCOURAGE* positive cashflow!?!?!?!?!?!

You should execute the exact opposite pricing scheme: provide discounts to your most loyal customers who are willing to provide you cashflow long in advance of your incurring an expense to provide services to them in order finance your operation.

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I'm just trying to set explicit limits on liabilities. The alternative as I see it is to accept money to provide a service indefinitely, but have terms clauses that any purchased credits may be forfeited for any reason. Perhaps if that clause reads after more than 2 years from purchase then maybe that's fine. I'll think about it, thanks for the feedback.

I'm actually curious though, do many online platforms allow you to buy credits that never expire? The stock photography websites were one of my inspirations for the pricing scheme, and their credits certainly expire in a year or so.

Why not just let them be a permanent liability on the business?

Are you worried about claims in bankruptcy court or something?

It just feels wrong to perpetually owe many people with very little benefit for accepting that burden. I don't think there's much practical difference between forever and 2 years for a purchase like this, but for the business the difference is huge.

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