Buyers rarely interact directly with sellers. There is usually at least one agent involved and frequently two.
Let's imagine for a moment that Bob opens up Bob's Pretty Good Black and Latino Loan Store. Bob starts making enough loans to show up on the radar of First National Loan Gougers of Omaha. They crunch the numbers and they'll make more money by buying Bob out. They don't even have to pull in favors from Mayor Corruption or Governor How Much You Got. Bob gets a couple mil, First National goes back to gouging. No conspiracy required.
Barkingturtle, I'm pretty stubborn. Not as stubborn as HBB, but I'll waste quite a bit of time before I realize the futility of something. But what if even one person says, "Hey, I hadn't looked at it that way?"
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