You're right, I guess it would just be a loan with interest rate and terms fit for the risk. But I wonder if the financially rational terms might fall afoul of

You're right, I guess it would just be a loan with interest rate and terms fit for the risk. But I wonder if the financially rational terms might fall afoul of usury regulations or something. So I wondered if the lender would have to structure it other than a simple "loan" to get around that. But I'm deeply ignorant of that world so may be making this much more complicated than it actually is.