yes - time value of money

yes - time value of money makes sense in a productive systemno debtors prison- when things go wrong, it is a loss to the lender, so he makes careful loans that make sensewhich why the recent BK law changes were so bad, making many debts non-dischargeable, such as student loans...why do think banks are lending to anyone with a pulse on student loans?because they have a big heart and want to educate the masses?no, because the student is now a lifetime SERF for the bank. non-dischargeable... and the us government tracks you down for them to boot.