I think that this comment addresses that pretty well: https://news.ycombinator.com/item?id=9679557 https://news.ycombinator.com/item?id=9679557 If you are doin

I think that this comment addresses that pretty well: https://news.ycombinator.com/item?id=9679557 https://news.ycombinator.com/item?id=9679557 If you are doing a business deal where you are confident the person you struck the deal with is in control of going forward then I think that the obligations and the relationship is very different. If the local bank lends you the money and you have a long-running relationship with the person you signed the papers with there is more of your personal bond attached to it. If you find out a week later that the loan has been sold off to another institution you are receiving the message that the relationship you thought you had with the original lender (and that person you met in that office) is quite different from the one you thought you were going to have. (They have, in your words, suddenly given you an extra job!)