Edward Yingling says it restricts the ability to price credit for risk -- in other words, to charge more for those more likely not to repay their debts.

VOA: special.2009.05.22

the quality of spirit than I am even correctness of doctrine, is it a high-quality commitment to service to others, are you willing to take a risk, what kind of price are you willing to pay.

多过于教义的准确性，你是否真正投身于对他人的服务中？,你愿意冒险吗？你愿意花多大的代价？

普林斯顿公开课 - 人性课程节选

the quality of spirit than I am even correctness of doctrine, is it a high-quality commitment to service to others, are you willing to take a risk, what kind of price are you willing to pay.

多过于教义的准确性，你是否真正投身于对他人的服务中？,你愿意冒险吗？你愿意花多大的代价？

普林斯顿公开课 - 人性课程节选