Therefor with added risk, there has to be added reward.

All great points and food for thought.  

Similar complaints against the Whole foods and lot of other retailers on discrimination for service areas (Search for Food Desert Documentary on youtube) exists.

Made many mistakes along the way, yet the "law job" kept food on the table.

I'm only a couple years into this journey and I can tell you first hand that it is extremely fun and rewarding so enjoy the ride and try to immerse yourself with everything REI related (Listening to podcasts, being active on these forums, networking with local investors,.....) 

Our food, people and culture is what people like about HoustonThe majority also enjoy the weather here also.Houston checks all boxes for me and my investor clients both in-state and out of state investors.Goodluck on you goals!

What damage they do ultimately comes from what's wrong with them, and if I am being perfectly honest, what's wrong with me.I grew up in exactly this kind of housing, in a family that spent a lot of time on food stamps.

Paid off my statement in full monthly so no interest charges, so a much better and rewarding use of business credit IMO.

Loaded question: "max" without weighing risk-reward profile nor accounting for risk tolerance makes for a dangerous question.

Then you’ve rewarded the agent who was wrong and punished the one that was right.