I think the wider point is that, yes, it takes a bit of access to money to be $150k in debt, but when you've got a choice of selling labour-saving stuff to indi

I think the wider point is that, yes, it takes a bit of access to money to be $150k in debt, but when you've got a choice of selling labour-saving stuff to individuals who aren't in work or an adjacent market composed of firms whose hourly rates mean they save the $120 annual subscription cost in about ten minutes...