Personally, I dislike taking the risk of the bank. Assessing the risk and setting the interest rate accordingly is the job of the bank. Taking that risk away el

Personally, I dislike taking the risk of the bank. Assessing the risk and setting the interest rate accordingly is the job of the bank. Taking that risk away eliminates that function of a bank. A one-time fee also seems to be counter-intuitive, if you want to be more social and enable poorer people not to be further disadvantaged by being naturally in a higher risk group on top of not having the capital to pay such a fee on top. Or is there a social component in that fee?