Not relevant to real life. It reminds me of stories from Econ 102 that said if only the Dutch who purchased Manhattan had offered the Native Americans the oppor

Not relevant to real life. It reminds me of stories from Econ 102 that said if only the Dutch who purchased Manhattan had offered the Native Americans the opportunity to put their money into CDs at 3% they would have come out ahead even after 350 years. Really they should have demanded casino rights on the spot. Now change years to months and leave the rate per period the same and maybe you have an analysis applicable to a startup. Now the fees are more like 12% v. 24% on return rates of 120%. And the time scale is about 12 years. Nah, still too long for a startup.