The reason why I chose that specific term to push on is that practically every SaaS has a ledger _somewhere_ in its stack to keep track of customer payments. I'll give you load bearing and substrate, but ledger IMO should be quite common. Certainly a career devoted to say compiler internals or some specific scientific product could avoid it, but I'd imagine a sizable majority of HN users have worked on some system that accepts online payments for services, necessitating some contact with something likely referred to as a ledger.
Of course this presents another conundrum, people that are smart typically have a vastly larger lexicon then those that are not. Humans typically have a lot more social clues on when to use those words and when not to, but it doesn't always work. I loved reading science/biology books as a kid far beyond my ages reading level. Actually using those words around other kids got me called a nerd.