If I can buy a motorcycle today for $15,000, and it is worth $20,000 in extra income to me next year as it allows me to get a job as a traveling salesman, should I take out a loan from Marat the Loan shark at a 85% 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?