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In the Drake equation (Number of Civilizations = NHP × ( f ) life × fcᵢᵥ × fnₒw) ,we expect the term fcᵢᵥ to be small if
Accrued Interest
Interest that has been earned but not yet paid or received.
Principal
The original sum of money borrowed in a loan, or the original amount invested, excluding any interest or dividends.
Borrowed
The act of receiving something with the intention of returning it or its equivalent, usually referring to money with the implication of interest.
Payment
The transfer of money or goods in exchange for a product or service.
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