If you can buy a car today for $ 5,000; and it is worth $10,000 in extra income next year to you because it enable you to get a job as traveling anvil seller, should you take out a loan from Eddy the Loan Shark at a 90% interest rate if no one else will give you a loan? Will you be better or worse off as result of taking out this loan? Can you make a case for legalizing loan-sharking?