Okay, Richard ... I do see what you mean. I guess it gets back to whether the Kaps "improvement" is sufficient to justify substantial development credit. You are quite correct (according to your cited Penguin Magic link) that the general effect (named "Easy Money") is Pat's. But the superior method (even according to Pat) as well as the name "Flash Cash," is Fred's.
Again, as you note, it was Pat who created the basic effect.