Ceteris paribus, the time value of money is a valid consideration. Not sure you read through the entire link and thought about how it applies to both sides of a

Ceteris paribus, the time value of money is a valid consideration. Not sure you read through the entire link and thought about how it applies to both sides of a lending transaction. You may have reasons to disregard it personally, but in an equal comparison being able to spend $X and paying $X Y days from now is strictly preferable to paying $X today. It's essentially the bedrock of the modern financial system.