Thank you! A lot of people seem totally incapable of grasping the fact that it's more of a tax rather than a loan. I'm glad it's not just me who has remarked th

Thank you! A lot of people seem totally incapable of grasping the fact that it's more of a tax rather than a loan. I'm glad it's not just me who has remarked this — I've been very unsuccessful in explaining it to people who shudder at it and treat it as any other loan...