This feels very intuitive and non-surprising to me. I am willing to pay interest on a loan because I value my relatives and their financial comfort, and because I don't want to risk my relationships with them via money squabbles.
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controlling for my degree of trust in them, the less personal relationship I have with my creditor the better
End of conversation
New conversation -
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This question was one of the most personally enlightening questions I've received in a long time.
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