You should check again, and factor in all the defaulted loans that ended up in pirate accounts, pirate passthroughs, insurance companies insuring pirate debt and other lending pyramids that ultimately usually ended up with pirate, or some other soon to default ponzi scam.

The reality is that there is very little real economic growth going on that could produce these returns. People are borrowing far more to gamble or scam. They may accept high %, but a far higher % will never pay back.

So its easy to get these returns on paper as long as you naively assume almost everyone will pay you back, but the reality is likely a whole lot different. I will be very curious to see how much of his loans Patrick will be able to recover, considering how many of the people he totally trusted have already defaulted and/or are now branded as scammers.