If it was easy, someone would have figured it by now, after hundreds of years of shareholder capitalism. At the end of the day, real world business is risky, an

If it was easy, someone would have figured it by now, after hundreds of years of shareholder capitalism. At the end of the day, real world business is risky, and someone must be taking that risk. If lending companies are asked to both front the money and take the risk, there will be no lending companies and no financing.