It's a good point you raise, but because the financing is provided by FC and they take the risk of default (albeit compensated by the high fees charged to BIG) then I don't think it changes the risk for BIG much.
My concern is probably more along the lines of what do the customers actually want more? Are they signing up because they want a video, or because they need the line of credit? My thinking is most likely it's a bit of both, and it certainly seems popular as bundled product. My assumption in this, is that they are required to accept/pay for the video in order to activate the line of credit. I hope that's the case but can't remember seeing it confirmed anywhere.
