Student: Hi, Mr. Bank Man, I would like a student loan. If you give me $100,000 over the next four years, I will get a piece a paper that will certify me a qualified employee.
Mr. Bank Man: Excellent plan, young man.
Student: Actually, I would like $50,000 to start up a new business of my own.
Mr. Bank Man: Well now, that might be a problem. No experience, no collateral. I'm sorry, I don't see how that would be possible.
Student: But you were willing to loan me twice as much on the chance that I may be able to find employment—nay, a career—in a tough market so that I may be able to pay you back over a long span of years. Why won't you risk half as much so that I can be an independent business owner?
Mr. Bank Man: Because a student loan keeps you out of the workforce for four more years and puts you in debt so that you will have to accept whatever job you may stumble across in your desperation to pay back the loan, which you probably will never be able to do. This helps my business customers much more than if I enable you to become a source of competition for them.
Wait a minute. Did I just say all that out loud?