No doubt friends and family will be astonished by this claim, as I’ve long been pegged as one of those people who is always ‘a day late and a dollar short’ - but nonetheless it’s true. Nor am I the only one. That brass ring is dangling from the post for any number of us, and as long as we don’t try to grab it, it’s ours. And it’s all perfectly legal.
Now, although I’m almost always late with credit card payments, and rarely pay more than the minimum (if that) I receive at least ten totally preapproved offers of credit every week - about 75% for unsecured credit cards, the rest for home equity loans, preapproved auto loans, and miscellaneous. In the past twelve months the sum of all these offers has totaled $1,405,100. Initially I was keeping track just to cheer myself up after going through bankruptcy, but when the money started to get serious I bought a big file cabinet and started to catalog the offers, not really sure where I was going with it, but sensing some deeper meaning that I might tease out of it in time. It was a surprising amount of money to be offered just months out of bankruptcy - although my lawyer pointed out that the recently bankrupted are actually very desirable to finance companies because they have no debt, and thus have lots of disposable income all of a sudden.
Okay, so I’ve been offered $1,405,100. Well, you say, who hasn’t? That’s no reason to feel I’m special. Obviously that amount includes many limited-time offers that have since expired, or would have evaporated once someone actually looked at my credit rating, which unfortunately is not good due to a lackadaisical payment history, some IRS problems, and that bankruptcy. Also, I think somebody may have stolen my identity, although apparently it’s been given back.
But bear with me. The real basis for my claim is more complex, but quite solid and backed up by hard science. I’ll try to explain it without resorting to equations, but if you’re familiar with Dirac, Schrodinger, Heisenburg, and that crowd, it’ll help you follow along.
I think the best way to begin is with Schrodinger’s cat - a wonderful illustration of some of the basic concepts of quantum mechanics. In case you’re unfamiliar with that unfortunate animal (an imaginary one, don’t worry), here’s the story. An ordinary cat is sealed into a soundproof box with a device that may or may not instantly kill the cat at any point in the next half million years. Without opening the box an observer has no way of knowing the cat’s actual state. Thus, the cat can be described as being both dead and alive at the same time. The cat exists in both states simultaneously, and remains so until an attempt at observation defines the actual reality. This story is often used to convey a sense of the bizarre wave/particle duality underlying quantum physics.
But to get back to my original point about being a millionaire. I haven’t followed up on any of the offers of credit I received, and I don’t know if I ever will. However, the fact remains that a large sum of money is being offered to me, at repayment terms that would with clever juggling allow me to keep most of the money for the remainder of my life by paying minimum balances with credit from other lenders. These are sophisticated financial institutions, no doubt fully aware that I’m being offered thousands of dollars every day by other sources. They don’t care. They are similar enough in their business and their approach to me that I think we can lump them all into one set. We’ll call it A, and define it as the set of all consumer credit sources in the United States. We’ll call myself Set B, defined as the sum of all possible states currently existing in time and space at point x,y (the GPS coordinates of my chair). Thus, we can say:
1. During the course of a given year, Set A is willing to provide more than $1,000,000 to Set B.
2. This statement remains true until such time as an outside observer - defined as C, the set of all credit rating agencies in the U.S. - attempts to observe Set B, at which time Set B will become either a millionaire or not a millionaire. Exactly like Schrodinger’s cat, and by extension like basic particles that can be either a wave or a particle until the instant they are observed.
3. If B refuses to accept or decline the offer from Set A - refuses to be observed by C - then statement 1. is always true.
4. Thus, since B can be all possible potential states until such time as he is observed, B is at this moment, in a mathematically real way, a millionaire.
5. Unlike elementary particles, B has free will and can refuse to be observed, and therefore can continue in the state defined in statement 4 forever.
Interestingly, the more coy I am about accepting this money, the more insistent the financial institutions are about giving it to me - a variable that has a huge impact on the underlying equations that prove all this.
Stir in a little Heisenburg, who made it clear that nothing can ever be known with 100% certainty, and a little Dirac, who helped show that a particle could suddenly pop into existence out of thin air, and the possibilities get even weirder. If virtual particles are real, why can't virtual millionaires be also? A millionaire is just a bigger clump of particles. Certainly it seems unlikely, but much of our modern flesh and blood technology is built on the slippery assertions of quantum physics. They may seem unreal, but they have very real consequences - it’s not science fiction.
I’ve written this all up - with full mathematical proofs - and taken it to the bank as collateral for a $500 personal loan, but they’ve got some quibbles about the value I’ve assigned to z - my future level of employment - so it may turn out in the end that I’m just too far ahead of my time.