You agree to them all the time. I'm sure a lot that you have, came from a debt you acquired. There is such a good feeling, when you get approved for a new line of credit or loan. I bring pleasure to debt that no financial institute can compare to. I want you to get into debt with me, with a signed contract. I want to have you sign on the line. I want to charge you interest. I want to charge you late fess. I want you to sign a financial debt contract.