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But the ISA isn't "paid off" it's a sharing agreement like equity so you get less if total earnings are lower.
Good point but the cap at the v. top and the idea is still to earn so much more on the lucky winners to make it more affordable for majority who don't make the cap. i.e. the cap while understandable is actually working at cross-purposes to the logic of the idea.
I didn't realize that. The main ISA I know about is Lambda School's, and theirs is definitely not aiming to make money on the outliers. Because they run the whole process, including admissions, they don't have to worry about a "majority who don't make the cap."
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