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Response to Egalitarian Thug (Reply #92)

Wed Aug 14, 2013, 11:18 PM

93. I am sorry

 

but I do not think your ideas are sound. Clearly the risk of a very large loan over a long period of time is greater than the risk of a small loan over a short period of time. In fact, a loan of the same amount with a 20 year payback has a greater risk than the same amount loaned for a year. That's simply true and your formula does not reflect that. As the pay back period increases, risk increases. As the amount increases, risk increases. This has nothing to do with the credit worthiness of the borrower but rather the ever increasing chance of a change in the macro environment impacting the initial assumptions the loan was based on.

I also really do not think you understood what I said about CEOs as evidenced by your reply about trust fund babies. What I said has nothing to do with a buy in.

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