Well, then we're on the same page. I don't want him to need the loan, but I respect him enough to trust him with the option. I'd prefer a competitive marketpla

Well, then we're on the same page. I don't want him to need the loan, but I respect him enough to trust him with the option. I'd prefer a competitive marketplace for his loans to shaming the concept of an alternative financial system, and I absolutely would not put it past capital to collude to keep the interest rates high. I don't know that, though, since these are risky loans. Case in point, this very dude didn't pay it back.