What you need is enough confidence that you'll be able to physically track down the person you're loaning to and a goon that looks like he'd enjoy and is capable of making peoples' knees bend the wrong way.
And how much is a goon paid to perform this retribution so that the banker feels better after losing out on a $100 loan? Hell, come to think of it, I'm not sure if a goon has even been approached to perform said task on any of the scammers who have gotten away with big chunks of loot from individuals.
It's no good getting the goon after the fact. He's supposed to be a deterrent.
Don't forget that this happens with mainstream banking. They just give the goon a nice shiny badge and you can end up with worse than a decent knee-bending.
Actually, there are no pulpit jails in America, let alone a banker getting the police involved. But they do have a deterrent up their sleeve, and that is the scammer tag, read credit reports.
