Let's say I want to lend $1,000. A white man has promised to pay back the $1,000 plus 1% interest. A black man has promised to pay back the $1,000 plus 6% interest. Who would you lend the money to and why? Please, let's not make this about race.
NOTE: in this hypothetical situation, you must lend $1,000 to only one of the two men.