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A lot of small biz owners defaulted during the recession. Many of them went too far and used home equity loans and when market/economy died, they were either unwilling or unable to pay back the debt. That's why the banks don't trust them and hence charge them higher interest rates today.
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"In Denmark fast food workers make $20 an hour plus benefits, and the corporations who employ them are still profitable. Why there and not here?
The answer is simple and painful -- wage theft. In America corporations are systematically stealing our wages. Virtually everyone in the bottom 95 percent of the income distribution now suffers from wage theft"
http://www.huffingtonpost.com/les-leopold/as-bad-as-you-think-it-is_b_6133920.html?ncid=txtlnkusaolp00000592