So much this. If you aren't generating profits, and want someone to work for you, either: * borrow the money in your own name * borrow against your house *

So much this. If you aren't generating profits, and want someone to work for you, either: * borrow the money in your own name * borrow against your house * don't bring them on You're the one creating the risk. You've gotta eat it. Anything else is massively unethical.