Monetization is a funny term

WIKI: The term "monetization" may also be used informally to refer to exchanging possessions for cash or cash equivalents, including selling a security interest, charging fees for something that used to be free, or attempting to make money on goods or services that were previously unprofitable or had been considered to have the potential to earn profits. And data monetization refers to a spectrum of ways information assets can be converted into economic value.
Still another meaning of "monetization" denotes the process by which the U.S. Treasury accounts for the face value of outstanding coinage. This procedure can extend even to one-of-a-kind situations such as when the Treasury Department sold an extremely rare 1933 Double Eagle, the amount of $20 was added to the final sale price, reflecting the fact that the coin was considered to be issued into circulation as a result of the transaction.

The standard S&L pit boss may emit a continuing loss of bit error, at least as far as is recorded.  Why? Well, the account of digits is either somewhere else, safe, or on the tree. So anytime the pit boss reorganizes the tree, bets are compressed, it loses bit error somewhere.  The bit error accumulates, become a coin, but even that may not appear on the S&L tree.

Why would the standard S&L keep misplacing money? Either one of two things, a large group of owners of the coin have their light set to green, they are holding coin in card. Or two, a whole lot more cards are using the coin because the pit boss is well written, fair, observable and cheap.    If it is the former case, then that group must know about the later case, they go together. Otherwise, holding worthless digits is more expensive then just dumping them in the S&L and letting the bot roll it over,

A well written, short snippet of a pit boss that just basically reorgs and requants the bets, then gets out of the way. What happens is all the users of that coin, they submit to the S&L, drive its bit error to a semi-random sequence. To do that, they have to become pricing ring, they set prices  that generate matching bids with a semi random modulo bit error.  The random comes from new innovations.
Quick revies of S&L

The borrower drops a loan ask in the pit, yhen the digits are his, at that moment.. He may have left yhe raph unbalanced, but he pit boss eventually runs and the borrower is subject to  partial recal, because the residula function is computed over the total coin outstanding. If the borrower is out of balance then a partial money recall happens.

But, all the other traders will likely scan the graph before the boss, and they can drop digits into the deposit pile, putting their digits closer to the loans outstanding, and bet on a favorable re-quant..
Time is external, but A&L are expected to run the graph stably over years.  Time is a risk that am external smart contract imposes.