It's somewhat like having the alpha on everything turned down to varying levels - you can see through the skin, bones and metal implants are still at 100% alpha - but fundamentally no different than what looking at someone gives you: a 2D plane.
The 12 hours here refers to the delivery window on the delivery day, not the time to ship the package. Though the total delivery time is certainly much less than 4-6 weeks.
Technically, exported/unexported is different than public/private since its at the package level. You can access unexported fields of a struct from anywhere within the same package (not just from that struct's "methods"), which isn't true of a 'private' field.
That's breaking even at a ~5.83% default rate, which is still unrealistically low. If they have a default rate of 20%, they'd need at least 240% APR to break even (assuming 1 month loans).
For me? No. For someone in poverty eating ramen, mac-and-cheese, and rice/beans all the time? Sure. $20 is a lot of money for plenty of people in this country.