'Fold is better than looping because the loop is incidental' yes, but using lambda is incidental too! Perhaps an accumulate macro is better?
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The thing about memory ownership is that it's intrinsic (not incidental) complexity on a physical computer. If you don't want GC, you need ownership.
Not all languages provide ownership tooling though (e.g. C). Following Rust's success I suspect we'll see more ownership tools. https://twitter.com/migueldeicaza/status/1103427307451035648