If you're buying a product, sure you can make out like a bandit. But in this case its a contract that can stretch into unforeseen consequences. For example yo

If you're buying a product, sure you can make out like a bandit. But in this case its a contract that can stretch into unforeseen consequences. For example you get a loan on X terms with Y seller. Y seller goes out of business (due to being a pyramid scheme) and now your contract is sold to the highest bidder to satisfy investors in bankruptcy court. You now hold X contract with Z seller who may be strongly incentivized to take advantage of any terms in your contract that allow for changes. In order to make out you need to satisfy the terms of Y seller's contract before they fold -- and balancing the incentives vs unknown risk of Z at unknown time, its probably not worth your time. The exception to that is: You have enough capital to sign a contract so big it actually forces Z event, then have the political clout to make sure the court rules in your favor rather than the investors. All the while also buying insurance against Z event. Then you have something similar to Goldman Sachs' profitable moves during and after the Great Recession.