Why would I want the lender to charge me zero interest? I know that she can't do that, particularly if I know I'm a risky borrower. I want a rate that is reaso

Why would I want the lender to charge me zero interest? I know that she can't do that, particularly if I know I'm a risky borrower. I want a rate that is reasonable to the risk, because if I insist on a lower rate, I won't be able to borrow at all.