We have copious experience with this exact business model going back decades over several economic sectors and it's not hard to see where the structural cost ad

We have copious experience with this exact business model going back decades over several economic sectors and it's not hard to see where the structural cost advantages come from. If you are, eg, properly accounting for below-market loans as income (on either side), or rigorously following overtime requirements, or equal opportunity laws, your cost advantages rapidly go away. "Maybe we make the stores nice" is not some groundbreaking innovation.