Completly agree. These are perverse incentives. They never consider that the "risk" means a portion of them will be sacrificed.

I was listening to a show that had michel hudson the other day and he was talking about how it goes against the laws of thermodynamics. That you cant charge mere interest than a certain fraction of land yields or the society inevitably collapses, thats why most societies frowned upon the practice. And it was allowed on some ventures like trade expedition because it was asumed that most of them would fail and woulndt have to pay anything back.