The other issue is just how much incentive there is in finance, which doesn't actually create anything of value. I get that allocating capital to where it's nee

The other issue is just how much incentive there is in finance, which doesn't actually create anything of value. I get that allocating capital to where it's needed is a thing that needs to happen and there needs to be incentives to make it happen...I'm not for medieval prohibitions on usury, but if the 20% number quoted in the article is accurate, that seems dysfunctional. Given how often capital isn't being allocated effectively in the US, your example being just one of many, it seems like we're paying an awfully high premium for that function in today's society.