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There may be some applications for ISAs where the risk is high enough that a capped upside isn't feasible. I'm okay with that. Assuming competition is unhindered — as you say — capped options are attractive enough that they're bound to arise wherever they make sense.
Unsure. Imagine if the first Lambda School-alike, that got so successful, had an uncapped ISA? I'm not sure they'd survive as well under the current assault trying to convince everyone that the ISA is worse than debt, then sour everyone on the idea, then... et cetera.
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