Differences matter. Your derisive, dismissive view is shallow. I haven't analysed the effects of this home ownership structure, but the business investment app

Differences matter. Your derisive, dismissive view is shallow. I haven't analysed the effects of this home ownership structure, but the business investment approach means that the banks aren't lenders, but are part owners of the company. This gives a different incentive structure and changes the relationship - I think for the better.