Renado Flakne
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It's an interesting idea. I'm sure it can be helpful, but you can do all the calculations yourself. You don't need to be a great mathematician to compare the profitability or cost of an action. It's also not difficult to calculate the effectiveness of transactions if you spend ten minutes on calculations. I would understand if this improvement was for a bad credit loan like https://www.greedyrates.ca/blog/how-to-get-a-personal-loan-with-bad-credit/. But the development of your proposed improvement isn't very urgent.