The oldest saying in the capitalist's book is that you need money to make money. In EVE this is doubly true. Often taking a loan can be a crucial, and necessary, business decision. If you need a couple million ISK in order to make the purchase you need, and you know that your profit margin will be 9% or 10%, then paying the lender their 2% - 5% daily interest won't be such a problem, especially if you can make multiple trades in one day. In short order, you can be self-sufficient. But then again, there are no safe options in Eve.
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