>>60680319
that's because you are a retard who does not understand finance/math at all

if someone gives you $3500 and says "no payments or interest for 5 years", you can take that $3500 and dump it in the most normie investment ever (treasury bills) where it earns 4.3% interest

after 5 years, your $3500 is now worth $4320, so you can "pay back" the loan and pocket $820

and this is dumb fuck treasury bills, S&P will give you ~9%/year, crypto will give you more