Yes, this is more convincing, but is still a little concerning. Given current interest rates, presumably these people 'gifted' the 5% loans could have already b

Yes, this is more convincing, but is still a little concerning. Given current interest rates, presumably these people 'gifted' the 5% loans could have already borrowed money at lower cost, they just wouldn't have had any access to throw the money into the vision fund. Perhaps the borrowers can take the cash, invest it, then borrow elsewhere at lower rates to pay back the more expensive loan? In all, it still seems a vastly complicated scheme for the attested goals. I guess that there are tax reasons behind it all.