Average business loans in the euro area are around 4% as of December 2022, though governments are still raising rates. As long as these unreasonable profit marg

Average business loans in the euro area are around 4% as of December 2022, though governments are still raising rates. As long as these unreasonable profit margins are higher, it would make sense to get one, and I'm not sure anything under 15% profit (much higher than current govt bond rates) could be considered unreasonable. I started manufacturing candles during the pandemic with only a few thousand dollars up front and those things can get 50% margins which is insane. I understand that monopolies and barriers to entry can exist. The government should be much more focused on eliminating those rather than central planning through things like pensions that are shockingly complex and have a penchant for unintended consequences. I believe in a social safety net but markets with a little guidance can do most of the government's work for it and avoid be better at avoiding a ton of pitfalls like runaway inflation.