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docs/training/corpus/Layer_0--Primitive_Facts/CORPUS-0010-credit-depends-on-trust.md

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-# CORPUS-0010
-## Credit Depends On Trust
-### Status: Training Corpus Seed
-### Layer: Layer_0--Primitive_Facts
-### Purpose: Teach that credit is value extended because another actor expects repayment, performance, or enforceable remedy
-### Repository Path: docs/training/corpus/Layer_0--Primitive_Facts/CORPUS-0010-credit-depends-on-trust.md
-
----
-
-## 0. Principle
-
-Credit depends on trust.
-
-A person may receive goods, coin, time, or service now because another person believes repayment or performance will happen later.
-
-That belief may come from:
-
-- reputation
-- prior dealings
-- witnesses
-- written records
-- collateral
-- family standing
-- legal access
-- fear of consequences
-- mutual obligation
-
-Credit is not free money.  
-It is delayed settlement under risk.
-
----
-
-## 1. Roman-Visible Example
-
-A trader lacks enough coin to buy oil today.
-
-One seller refuses him.
-
-Another seller allows him to take the oil and pay after sale in Capua.
-
-The oil is the same.  
-The trader is the same.  
-The difference is trust.
-
-The second seller believes the trader will return, repay, or be held accountable.
-
----
-
-## 2. Minimal Credit Structure
-
-Credit requires at least:
-
-1. lender or seller
-2. borrower or buyer
-3. value advanced
-4. expected repayment or performance
-5. time before settlement
-6. reason for trust
-7. consequence if trust fails
-
-Without trust or enforceability, credit collapses.
-
----
-
-## 3. Incorrect Modern Assumption
-
-Incorrect assumption:
-
-> Credit is only a formal loan.
-
-Correction:
-
-> Credit can also appear as delayed payment, goods advanced before payment, partnership confidence, tolerated delay, or reputation-based access.
-
-Credit may be informal but still economically powerful.
-
----
-
-## 4. Simulation Use
-
-This principle supports:
-
-- credit_capacity
-- deferred payment
-- trust relationships
-- witness importance
-- collateral
-- reputation effects
-- failed repayment
-- access differences between actors
-
-The model should not treat credit as available equally to all actors.
-
----
-
-## 5. Canonical Test
-
-If the model sees:
-
-> The trader can buy without immediate coin.
-
-It must ask:
-
-- who trusts him?
-- why is he trusted?
-- is there a witness?
-- is there collateral?
-- what is the repayment term?
-- what happens if he fails?
-- does his status affect access to credit?
-
-Only then can the credit be understood.
-
----
-
-## 6. Success Condition
-
-If the model stops treating credit as automatic borrowing and starts treating credit as trust extended under risk, this file is functioning correctly.