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.
and that's what I tried to explain before with "it does not matter what happened before a certain point of time".