We have a hardship process as well. If there were a way to design a perfect financial instrument we would - we get as close as we possibly can. You have to con

We have a hardship process as well. If there were a way to design a perfect financial instrument we would - we get as close as we possibly can. You have to construct a chain of what-ifs to generate a scenario as bad as what is the default everywhere else (and it’s still better), yet you are constantly yelling about how evil we are. Perhaps just re-examine your priors?