I wrote:

> these entities do, conventionally or not, what banks
> do: hold shorter-term liabilities and longer-term assets.

Or liabilities that are more liquid than their assets. Or liabilities
that are riskier than their assets.  Or liabilities that are more
opaque than their assets.  Or some combination of the above.

Quick technical clarification:

In finance theory, the empirical dispersion of expected market return
rates is rationalized as a function of (1) "term," (2) "liquidity,"
(3) "risk," and (4) "information."  To the extent returns are
monotonically related to each argument (and have the right algebraic
sign), the formulations above are formally equivalent.

Like Marx wrote about the reduction of diverse use values to
homogeneous values, of diverse concrete labors to homogeneous abstract
labor, of skilled labor to simple labor, etc.: "Experience shows that,
in practice, markets carry out this reduction constantly."  It's not a
cop out.  It just captures mentally the empirical fact that markets
trade off concrete labors, translate more skilled labor into simpler
labor and vice versa, and tend to place premia on term, iliquidity,
risk, and opaqueness.

(By the way, this is the same reason why the Cambridge Capital
Critique is without substance.  The abstraction of an aggregate of
durable means of production is allowed by the empirical fact that
capital, as value, is fungible.  Or, put differently, CCCers see the
difference between value and use value, but don't see their identity.)
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