Death
Death maintains an unbroken record of 100% participation across all species, cultures, and historical periods. From the microscopic tardigrade to the blue whale, from ancient pharaohs to modern billionaires, death has never once failed to collect. An estimated 117 billion humans have experienced this phenomenon to date, with current projections suggesting continued growth. Unlike other universal experiences, death requires no infrastructure, no banking system, and no regulatory framework. It operates with equal efficiency in both the Amazon rainforest and the Swiss Alps.
Money
Money's reach, whilst impressive, remains fundamentally incomplete. Approximately 1.7 billion adults worldwide remain unbanked, and numerous indigenous societies have historically functioned without monetary systems. The Jarawa people of the Andaman Islands, for instance, have maintained a currency-free existence into the 21st century. Even in developed economies, money's influence weakens considerably at certain thresholds—a phenomenon economists term diminishing marginal utility. Money has never achieved death's perfect market penetration.