I disagree. For each loan, you have both sides. So if one side suffers, it doesn't qualify but if the other side suffer is does qualify? Also, you can't gain

I disagree. For each loan, you have both sides. So if one side suffers, it doesn't qualify but if the other side suffer is does qualify? Also, you can't gain from the interest, make all that money, and then expect the law to protect you from this risk side of the "risk/return" ratio because "too many" are in the same boat.