Credit

how to credit makes money -> they use collateral if you don’t pay back so they have a guaranteed ROI from the get go. Now there might be a fleeing risk, so they evaluate the probabilities of that, and come up with strategies to avoid that. Knowing your close ones, where you live, your roots, etc.

so, while minimizing risk of not being paid, they charge interest. then’s left the last part, amassing piles of cash to finance you: that’s easy, they have…