The above question is irrelevant to this conversation my man. Since you think you are reinventing the wheel here, I’ll answer it. Small business take out business loans. That being said, if I was running a small business, and my customer were willing to pay me up front (similar to a group buy) and I didn’t need to take out a business loan, I would 100% do it. But why aren’t small businesses doing this? Because their customers won’t pay for it. In the group buy model that we have here, they do. That should tell you straight up that these two things are very different and that a solution for a small business is not going to automatically be a solution for a group buy.

Keyset designers are 100% never going to take out a business loan. It will never happen. And as I’ve said before GBs are in shambles right now, but I’m not going to advocate for something that is arguably worse.