@techreport{ruto2026037thechar,
  author = {Ken Ruto},
  title = {The Chargeback Assumes a Human},
  year = {2026},
  institution = {Flux (FluxImpact)},
  type = {Flux Working Paper No. 38},
  howpublished = {\url{https://fluximpact.org/blog/037-the-chargeback-assumes-a-human/}}
}