just as there is such a thing as "too much profit", there is also such a thing as "too little profit". where the boundary lies remains an open question and i think it's quite the ethical quagmire.

....if i hurt my borrowers directly by charging "too much", is that really any better than hurting other people (who are not my borrowers) indirectly when i can't give them loans because i charged "too little" and therefore was not able to raise the capital to serve them as well ???

...personally, i am quite uncomfortable with either result! does anyone out there know where the boundary between "too much" and "too little" sits?