W
hat you are really suggesting is that we should be able to distinguish between prot
ecting 100 per cent someone who is naïve the classic image is of a little old lady i
n running shoes who cannot afford to pay it and someone who should bear part of the risk, because, clearly, he entered into a business agreement and it ought to be treated as a business agreement, and he ought to be treated essentially as someone
...[+++] who certainly had the ability and the intelligence to make a decision; therefore, he ought to bear a part of the risk.