Yeah -- a lot of the problems presented here (proper clothing for the weather, showering/changing/drying your commuting gear at the office) have simple and quite affordable solutions as soon as even a few people do it.
Office and apartment buildings here (Helsinki) even compete by providing convenient bike storage even for cargo bikes with easy access, washing spots for bikes/muddy or sandy gear, drying cabinets etc.
It's different when you do the work to move you yourself (or even a part of it, on an e-bike). Other than that, a well designed hood helps, but at a cost of reducing your vision.
For short distances, getting my car out from under fresh snow is more work than taking the bike. Even when it's just a small layer of light snow that needs to be dusted off.
Also if I'm going to spend any time outside, I need to spend equal amount of time picking my clothes and dressing for the weather regardless of whether I pick the car or the bike.
Edit: if you remove the second 'at' it makes sense.
I think they mean that the buyer will agree to pay $5000 now for say 10 shares (close to current valuation), and get it in a week regardless if they will be worth $0, $5000 or $100000 at that point. They would prefer to buy it now, but can't, and thus are willing to pay a fee to make it happen.
However, the motivation (and pricing) is different from futures trading: here the buyer would prefer to buy the asset immediately, but because of market inefficiencies or unavailability it's not possible. So some dealer figures he can make that happen in a week, takes a small fee, and agrees to the trade. In the meantime, the dealer might want to buy something that correlates with the value of the actual asset to cover his bet -- e.g. they might be able to buy most of the stocks in the ETF in roughly the same amounts, and just accept the remaining risk.
There is however a chance that they will not be able to complete the transaction.
Office and apartment buildings here (Helsinki) even compete by providing convenient bike storage even for cargo bikes with easy access, washing spots for bikes/muddy or sandy gear, drying cabinets etc.