I think you underestimate the chain reaction of making Fuentes like this this late in the game.  You make fair points but I just am getting the urge to sell and watch. This sounds a bit desperate to me the way these posts just wanna change how it works while at same time promoting the 20% APR is safe but buy buy HBD.   I don’t mean you, I just mean these posts by many about this topic. It’s getting a bit ridiculous