I would dam that speaker too if it bothered my sleep and I am no beaver.

So are avocados. The creature that was supposed to eat avocados whole is long gone.

You have a point, but originally interest was both compensation for the lander for offering you the loan, and a way to mitigate risk in case you fail to pay. Without interest, why would anyone lend a random stranger some money? Interest is basically the only things that props up an unsecured loan.

Only if you don’t have insider info.

At this point, American health/dental/vision insurance is just a monthly payment / membership fee needed in order to be able to access medical care at a somewhat reasonable price.

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