However, I truly hate to see Patrick's name being drug through the mud.
When you run a high-profile "credit-rating" and "investment" operation without explaining what is going on and failing to answer simple questions, you must expect your reputation to suffer.I know, it's the inevitable gauntlet. You are correct.
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"Ourageous" yet "very manageable." 
What is it about bitcoin that makes people suspend all disbelief and take on magical, pixie dust thinking?
What is it about bitcoin that makes people suspend all disbelief and take on magical, pixie dust thinking?I wouldn't know. I'm not the one borrowing an appreciating asset at very high rates and subsequently repaying every last penny. Strangely enough, this is happening every day on these forums.
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Look, the reality is simple but ugly: the "lending economy" here is a cesspool of scams.
Hmm... Recently I lent 40 BTC to a moderator here, who repayed ~12% interest after about a month. It was easy peasy.
What do you have to say about that? If I had more bitcoins, I could make more loans. It's pretty simple.