[FlexibleCapitalSolutions]

I like responding on this thread, because I really do feel like I have the critical thinking processes to answer major questions here and re-focus the discussion as a discussion, rather than mudslinging.

FCS, not everyone "deserves" everything out there. I would say that a convicted felon who lied to Congress 5 times and was put in prison on wire, mail and bank fraud for running a drug cartel that murdered 10 people does not deserve to be financed. Someone might want to anyway, but does he have a right to? Rights can be very subjective. Also, not everyone "deserves" to buy anything they want, or invest in anything they want. People go to jail for wiring money to terrorists for a reason. In some parts of the world, prostitution is legal to sell, but illegal to buy. These are very big moral questions.

However, the rest of the post is pretty accurate in my opinion. If it's moral to buy future AR, and it's moral to sell it, then there's every ability for each side to participate in deciding whether or not the pricing makes sense. If there's demand, then the price goes down, but only to the point where it's worth selling it. That's capitalism, without the noise of cartels and monopolies that make it more complex.

However, there is a reason that brokers in the private mortgage world are licensed. And there's a reason why loans over a legal limit are loan sharking and are illegal without a license.

It's a very hard balance, but to make it one-sided and emotional is a mistake, unless you have a vendetta) in which case, it's at least understandable, but childish), or to make a very strong push-back to get the result somewhere in the middle (which could be a smart way to go sometimes). I haven't seen many people "push" when they're in the middle somewhere.

and who decides who deserves what ? is it you, or is there any specific person or entity that you feel comfortable relinquishing your freedom and rights to? and even if you do have this person or entity will they live forever? because if they don't, then are you confident their successors will maintain the same level of fairness you expect?

Also, just to correct something, these MCAs are not loans, they are factoring contracts with reconciliation clauses. Which means that in reality, and legally, there are no set terms under which they are required to repay them, it is solely based on the performance of the business. It can be within a month or it can take 2 years. It all depends on the performance and sales of the business. How can you calculate APR if you do not ever have a SET term.