I totally agree. A lot of people talk about ISA being scams and I basically agree. But I don't think it's a scam in how they assume. If you do your research mos

I totally agree. A lot of people talk about ISA being scams and I basically agree. But I don't think it's a scam in how they assume. If you do your research most ISA agreements are good about being more straightforward than most other types of loans. The scam is usually solely in the principle amount being charged. That being said, I think ISAs are actually partially successful in that they provided a way for someone broke like me to try something and not have to worry too much about the impact if it doesn't end up succeeding. I wish people in my position had more negotiating power to avoid being overcharged, but that's not a problem unique to ISAs