Have you ever sweated through a loan interview, hoping that the banker understands your situation and will realize that you really are going to be responsible with your money and not only invest it in the areas the loan stipulates, but return the loan in a timely fashion? Have you then been granted the loan, only to spend it all on pop-tarts and kool-aid? And you have to go back to the banks and explain why all your receipts are from the local convenience store, and that though you can't repay the loan, it's okay, you'll get to it?