You are the most detestable individual I have ever come across on the internet
Name calling is not a substitute for a reasoned response. One more time in case you missed it:
There is simply no way a rational businessman would take all this risk and pay such high rates unless he was making a significant profit. And the first thing a rational businessman would do when making a significant profit is pay off his absurdly-high interest debts. And if the risk is high and he nevertheless had the funds to cover losses, the most rational thing to do with those funds would be to loan them and thereby get rid of his high-interest debt. No rational person would have $50,000 in a bank account and still borrow the equivalent of $50,000 in BTC at exorbitant rates.
Is there something erroneous in that reasoning? You've done everything from getting offended to calling me names to making ad hominem arguments -- you've even tried to hurt my feeling and bully me into shutting up. But the one thing you've not done is shown that my argument is actually incorrect.