You’re actually arguing my case for me. In effect, the government is protecting the lender not the investor. So why are we limiting investors’ options then?

You’re actually arguing my case for me. In effect, the government is protecting the lender not the investor. So why are we limiting investors’ options then? After all, a business owner can max out personal credit cards and go bankrupt. And “secured” doesn’t mean anything unless there is property or equipment behind it. Source: I’ve worked in finance for over a decade and I run a business as an owner.