3 ms·Interest is because of the time value of money and risk, not just risk.by imiller 9y agoInterest is because of the time value of money and risk, not just risk.mhuffman 9y agoTime value of money is also based on risk. You are betting that there is an alternative sure thing at which you could earn some expected rate.euyyn 9y agoMostly on need, though. If I'm hungry, I'm hungry now, not 10 days from now.