If you are the borrower it's great:  

You don't need to invest any of your own money,
you get below market interest rates, 
you have no personal liability for repayment, and
if you default on the loans - you get MORE money!

In the olden days, the City would incur debt only for the
"public good" - libraries, schools, roads, infrastructure,
parks, etc.  

Perhaps it's time for a good old fashioned debate -
What qualifies as a public good?

Just curious,
Vicky Heller
St. Paul

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