[hundt]

Selling the ISAs would make it more indirect, but this article is referring to borrowing against the ISAs' future income, which does not make it more indirect.

[akanet]

allred copped to straight up actually selling ISAs in the past (despite denials) as well

[hundt]

Yep, if Austen misled people that's bad. I am just disputing the argument that the later practice of using them as collateral for a loan is financially similar to selling them.