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Why is it okay for a pizzeria to take risks (like selling a shrimp, banana, and peanut pizza), but less okay for a bank to

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Why is it okay for a pizzeria to take risks (like selling a shrimp, banana, and peanut pizza), but less okay for a bank to take similar risks (like lending money to people who might not be able to afford to pay it back)? Give two reasons and briefly explain each

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