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The point being: there is no "correct" answer right now and attempting to divine one is an exercise in sophistry.
There definitely is a correct answer right now to the question posed, which was "Which of the following scenarios best describes Gravity Payments today?" There's even a correct answer to the question "Which of the following will best describe Gravity Payments a year from now?", although none of us knows what that answer is. Attempting to divine it would be an exercise in analysis of economics and human nature.