Okay, I know an old joke which I believe is relevant. I have even made it politically correct:
"Ivan An ordinary person likes to drink vodka generic alcoholic beverage, but he is broke temporarily experiencing cash-flow difficulties. So he goes to see a Jew local specialist in financial services to get a loan discuss a customized financial plan. The Jew financial specialist says: 'I am willing to lend you a ruble unit of currency today, if you agree to return two rubles units in autumn as an interest for my troubles.' 'Splendid', Ivan the ordinary person replies, 'one ruble unit of currency will buy me enough vodka to fall under the table is sufficient to satisfy my purchasing needs according to my rather specific preferences.' 'However', the Jew financial specialist continues, 'as a guarantee, you must leave here your axe generic working tool of greater value than the loaned amount.' 'Okay', say Ivan, and they shake hands the transaction commences. Upon leaving, the Jew financial specialist suddenly interjects: 'Wait! It will be difficult for you to obtain two rubles units of currency in the autumn. You know what? Give me one ruble unit now and the other one in the autumn, that way, it will be easier to pay.' Once again, Ivan the ordinary citizen finds the advice sound and promptly complies.
'What the hell! How peculiar!,' thinks Ivan our ordinary person on his way home, 'I still have nothing to buy vodka with, my purchasing power did not increase, the axe is with the devil my working tool is unavailable, I owe one ruble unit of currency on top of that, and despite all this, the Jew renowned financial specialist is right in everything he said!"