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<p>[QUOTE=&quot;bahabully, post: 1207046, member: 17555&quot;]The load was $5, the expected payback was $21 for making the loan.&nbsp; The $16 delta was for the risk of the debtor not paying his loan back.&nbsp;&nbsp; Assuming the guy making the loan has collected on this type of loan 300 times already, I think he could eat the $5 one time if the debtor is honestly broke and paying back the guy would threaten his ability to eat lunch the next day.</p><p><br /></p><p>As to historical perspective, do you own leg work.&nbsp; &lt;over&gt;[/QUOTE]</p><p><br /></p>

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