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I understand your point, but I think there's a key aspect you're overlooking. The value proposition of companies like LEDN isn't just about offering loans; it's about providing access to credit for individuals who might not qualify for traditional loans due to discrimination, credit score, etc. They cater to a niche where banks often fall short. Also, even people who have good credit may choose to use LEDN for idealistic reasons as a way to exit these broken legacy financial systems.