I mean, communities used to solve doctor shortages by crowdfunding a local kid to become a doctor.
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Also, the legal mechanisms to ensure repayment of many kinds of investment are inadequate.
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tho' it seems in a world of sane costs, they should? bet: if you made the modal student loan "you get X% of the guy's salary for Y years after graduation", such that if he just fails out nothing is repaid, schools would be way cheaper
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