Loaning and investing is differwnt from giving. In my original post I tried to be clear that there are problems in this model. Unfortunately it looks to me like

Loaning and investing is differwnt from giving. In my original post I tried to be clear that there are problems in this model. Unfortunately it looks to me like we need to solve them whether we like or not, so might be better to start solving them. Brexit did show that it is important how you sell things. And I am not a salesman...