[ovao]

Given that a significant component to the determination of interest rates is risk, I don’t think one could reasonably expect a non-public system of lending to operate any other way.

We’re getting pretty off-topic though, so if you’d like to talk more, go ahead and shoot me an email (r at ovao dot la).

[rosser]

Risk management and predation are categorically different things. If that's not an intuitively obvious notion, I'm not sure what more dialogue will accomplish.