Suppose you live in a medieval town that suffers from annual outbreaks of dysentery. You resolve to find a cure. You need funding to set up a workshop, buy medicinal herbs and exotic chemicals, pay assistants and travel to consult with famous doctors. You also need money to feed yourself and your family while you are busy with your research. But you don’t have much money. You can approach the local miller, baker and blacksmith and ask them to meet all your needs for a few years, promising that when you finally discover the cure and become wealthy, you will pay your debts. Unfortunately, the
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