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@joshuasamuel212 The only reason they'd restrict it to richer investors is if it's a riskier investment product not suitable for the general public. This is the same rationale for hedge funds being restricted. There is just no way it's risk free.

@joshuasamuel212 This makes no sense. If it's risk free 10% then why would banks not offer say 9.5%? Risk and interest on loans are so inextricably linked there is no way someone is making a significant increase on the risk free rate without taking on additional risk. Especially when not...