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That seems way too low. If you rob a bank and give the money back later with 4% interest, you still go to jail. This should just not be legal. Or make it 100%/mo interest or something stupendous to discourage it in all but the most extreme cases.


A bit of realpolitik on my part, I'm afraid. I think even my suggestion would be a challenge to get passed in any state, let alone federally.




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