I think the poster is referring to the PITA factor. The article's author chose to come at this from the "exploiting the poor" angle. There's a case to be made t

I think the poster is referring to the PITA factor. The article's author chose to come at this from the "exploiting the poor" angle. There's a case to be made there, and there's also a case to be made for how people are less willing to take on in these kinds of investments. That will no doubt effect the profit margin that those who are willing are able to take.