Yes, I did forget the OP. I don't understand how people getting paid is evil either. Whether that comes in a huge lump sum at the beginning or in interest overt

Yes, I did forget the OP. I don't understand how people getting paid is evil either. Whether that comes in a huge lump sum at the beginning or in interest overtime, it doesn't really matter. There is going to be a cash flow analysis that will tell you how much one version of the contract is worth relative to the other. My comment was more that these contracts aren't new, they just aren't particularly useful because it is hard to think of a contract in perpetuity.