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@kidboy
Yeah i guess they have gone through the experience of having to sell off cheaply early on as the deals were too good (hence the income you start paying it back at being reduced) and they have closed the option of going bankrupt and having it cancelled. I think there are even tools in place whereby they can chase people up for the debt in some other countries.
Still they would have to offer a pretty sweet deal for anyone wanting to invest and not see any pay back for at least 3 years.