And if the fencing business dried up the next day, how much of that $20k debt should the laborer be responsible for? If you take the risks you end up taking the

And if the fencing business dried up the next day, how much of that $20k debt should the laborer be responsible for? If you take the risks you end up taking the lion's share of the rewards. If you want improve the outcomes for the laborer, make it easier and less punishing for them to take risks.