We are always concerned with ‘risk adjusted’ return, rather than pure LOI.  

Just my late night thoughts as I usually go on BP when I drink my morning coffee....

Stop hanging out with your deadbeat buddies that spend all day drinking, talking sports, and otherwise wasting away.

You'd get free drinks too.

Some people like to drink or attend happy hour.

I agree that it is purely a preference.

Want to quit drinking? 

Typically, many people would pick a lender purely based on rates and pricing.

@Kim Harlow-WilliamsThere will be other factors to consider where to invest besides pure math calculations. 

I am well aware that nobody who bought into this was thinking in purely analytical terms when they bought it -- there was a national media figure freshly retired from a network a lot of people trust at the head of it, waving them in.