Who Monetises My Time?
In the Credit Chamber, Seraphina’s unseen credit score (756) governs loans, travel, insurance, and more—yet she never opted in. Dissecting five input streams (Given Identity, Skill Identity, Credit History, Platform Behavior, Social Signals), the chapter reveals how pauses and fatigue feed opaque scoring engines. It catalogs exclusion of care, grief, and resilience, then exposes embedded‑credit, BNPL, pay‑to‑rank, and algorithmic insurance built atop human delay—time is already a financial instrument, but without shared upside.
Who Owns Our Data & Well‑Being?
Mirrors glitch with platform watermarks as Seraphina sees mediated versions of herself. A live “Data Stack” panel builds layers of physical, emotional, financial, and social behavior—all harvested into “Their Cloud.” The chapter argues that dignity, not mere privacy, is paramount: only with sovereign ownership of one’s data can well‑being protocols emerge. A prototype Memory Ledger sketches the fields a true identity layer must hold—physical rhythm, emotional state, financial continuity, care load, and social trust.
