What you are really suggesting is that w
e should be able to distinguish between protecting 100 per cent someone who is naïve the classic image is of a little old lady in running shoes who cannot afford to pay it and someone who should bear part of the risk, because, clearly, he ente
red into a business agreement and it ought to be treated as a business agreement, and he ought to be treated essentially as someone who certainly had the ability and the int
elligence to make a decision ...[+++]; therefore, he ought to bear a part of the risk.