I think here is the issue that I probably did not explain too good:
You actually do know everyone's individual balance at ledger 32570!
Will any balances
before ledger 32570 ever affect what happens in the Ripple system in the future, yes or no? It's a yes or no question, Sukrim.
If you answer no then we can end the discussion, because it means all the info people would ever need is theoretically provided in ledger 32570 -- in which case there is no need to number it '32570'. Simply number it 0.
If you answer yes then we can still end the discussion, because everything I said prior about not being able to verify how many ripple units will ever impact the system applies.