Lending money is risky, and includes risks beyond a straight up cost/benefit analysis. It also makes the lender more vulnerable (not just to the borrower, but t

Lending money is risky, and includes risks beyond a straight up cost/benefit analysis. It also makes the lender more vulnerable (not just to the borrower, but to others as well). It should never be entered into lightly. What I mean is this: a lender who cannot choose who to lend to wisely will be pushed out of a free market. If the people they are lending to cannot pay them back in large numbers, they have no one to blame but themselves.