[Mirioron]

The problem with the argument about information asymmetry in this case is that one of the loans was signed right after the financial crisis. Loans and topics about interests and all that were talked about in many places.

But I agree with the other commenter about excel sheets and playing around with numbers.

[tehwebguy]

The financial crisis didn’t stop the far, far too wide a gap in information semetry with lenders.