So? If they cannot afford to pay a reasonable interest rate on the money, could ... | Hacker News

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		core-questions on Aug 8, 2018 \| parent \| context \| favorite \| on: We Wanted Safer Banks, We Got More Inequality So? If they cannot afford to pay a reasonable interest rate on the money, could they even really afford to pay it back at 0%, or even negative?

ypzhang2 on Aug 8, 2018 [–]

There are certainly segments of this population that can afford to pay back a loan. Or there is a loan that can be structured so that this segment of customer can pay it back. Its just not profitable or efficient for a bank to lend in this segment as a whole currently.

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