GF also denies when you keep adding good reliable customers year...

GF also denies when you keep adding good reliable customers year on year that the bad debts wont go down and not mean much in the grand scheme of things. Imagine in a a year or two/three/four with tens of millions of customers, mostly good and reliable, that pay on time.

The few new bad customers that you add but end up being bad debts wont matter because the good customers you already have and the profits that come with them will make any bad debts look like loose change.

Just like the credit card companies. They have so many more good customers than the ones that get in trouble, it doesn't matter. We are so early in this game. We will continue to keep adding good reliable customers. Huge profits in the years to come. THAT is what the banks and all the oldschool institutions are scared of. What's coming in the years to come. Their job is to try take us out early now so that it never comes to that.