I look at it like a partnership/investor. When a partner deposits 50k in a business worth 300k and gets a 10% or 20% stake, you would agree that it's business as usual, even though his 'cash in advance' of 50k will eventually get him hundreds more than he initially threw in to the business. In a sick liberal mind he would need to get 10% APR for 10 years etc. But why the 20% stake that can eventually be going up to 100% or 200% APR?