Let me introduce two characters, Bill and Chuck. To be honest, they are personae distilled from people you could meet. They are especially interesting because of their behavior: Instead of collaborating to let ideas compete they fight to get their ideas into the market. And sadly, they have good reasons to do so.
If you ever tried to propose an idea to somebody, you have certainly experienced a few personalities, like Joey has in this story. And after having met them Joey, for example, felt the urge to pin a picture of a cake in a sunset to his cubicle walls. For others, this is not sufficient and they have to create a lengthy comic strip.
Installment sales are great. Instead of spending the whole amount of money up-front – and save for it – you simply pay your monthly deposit. Still, someone will have to pay the interest and cover the risk involved, i.e. you, the buyer. Thus you trade the profit of having something right now with the higher costs. Did you realize, that this is an analogy to how we collaborate?