Here’s the deal. I’ve just given you $100 million to start your own bank (you can thank me later) on your own private island. U.S. rules don’t apply there. You make your own rules. So what would they be? Here’s my fantasy list… I’m the only bank on the island. I’m outlawing defaults. You get money from us. You pay up.  No other lending facility is allowed to match my rates. They’re…