> "... the concept appears every day in business."

Umm, no. It does not. Maybe in finance or procurement but it is certainly not a term in general use.

Every company that sells things at a fixed price now, for delivery later, does this. They may call it something else, but the concept is the same.

Sure (as I tried to point out) but that doesn't mean that (a) every manager in the company understands it or (b) people in other types of business/industry understand it. Claiming that the concept exists is pretty useless if the appropriate language isn't used to describe it. For example, telling my Dad that he really needs to abate his ingestion of sodium chloride is not going to be as effective as telling him to cut down on salt.