Neither a lender nor a borrower be; what you really want to do is be a middleman who packages loans for borrowers, which enables you to avoid the new regulatory measures designed to avoid repeating the meltdown of 2008, and… to be honest, I’m not quite sure what the hell happened then, even though I’ve heard a million explanations, but, yeah, you don’t want to be lending or borrowing in this economic climate, I’m pretty sure.