This looks like debt peonage in spirit, if not letter
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'[FTC], which examined 5,000 portfolios of debt purchased by the nation’s largest debt buyers, found that only 12 % included documentation"
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Sometimes it seems like people should have to pass a licensing test on compound interest and basic contract law or be restricted to layaway
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next you’ll be saying people need an automotive engineering or aerospace engineering degree before they build car/rocket companies :p
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that's self-policing. If you're not Elon Musk, you won't have a stash for the purpose from PayPal and nobody will invest/lend

