Wow, this is really complex. You needed so much text to explain your fee structure. I'm not saying that is unusual, for a lender. Financial products always com

Wow, this is really complex. You needed so much text to explain your fee structure. I'm not saying that is unusual, for a lender. Financial products always come with a lot of smallprint, with actual important things hidden amongst it. But aren't you supposed to be disrupting this industry? Being different? Isn't this a great opportunity to do it? You have a whole bunch of fees and rates. Presumably, you do things this way to incentivize good borrowing behavior, and present the loan as cheap to compete with people doing the same. How about rolling all these fees and rates into a single fee and a single interest rate? Why charge new customers extra? The simpler the terms, the more rational a decision the user can make. If the user knows they can afford it, your chance of defaults is lower...