[Spooky23]

...and somehow everyone is surprised that consumers do a bad job at assessing risk.

It’s an unconscionable business model with no guardrails. Commercial users don’t sign up for rates like that without breakers or hedges.

[brianwawok]

And commercial users tend to be more sophisticated.

So then we just ban users from such programs?

(I don't know the answer, but this ends up down a pretty strict path of not letting you hurt yourself).