if i can buy a car today for $5,000 and it is worth $10,000 in extra income to me next year because it enables me to get a job as a traveling salesman, should i take out a loan from larry the loan shark at a 90% interest rate if no one else will give me a loan? will i be better or worse off as a result of taking out this loan? can you make a case for legalizing loan sharking?