What's wrong with taking the risk out? If there are people willing to pay in advance, then it's a better solution for everybody. It could mean, for example, the

What's wrong with taking the risk out? If there are people willing to pay in advance, then it's a better solution for everybody. It could mean, for example, they can make a better product as they are not constrained by living on their savings. I find it bizarre that you find it "insulting".