I like the idea of interest rate. I think it often has to actually be paid back in a worse way than money or labor, it often can't be paid back without busines

I like the idea of interest rate. I think it often has to actually be paid back in a worse way than money or labor, it often can't be paid back without business disruption, that means slowed future expansion, growth, possible user loss due to bugs, or lack of addressing their future needs and issues promptly, it can come with downtime, feature freezes, etc.