Retarded Law?

I guess you should be able to loan $250 unless you owe a lot of money to the bank.Sure it would be nice if you could get these things free of charge, but there are administration cost and some sort of service that guarantee that your license is valid for all people who might be involved in your business. There are basically three different options to supply people like you with this kind of service. (1) You pay the fees (2) it is by taxes — though there are lot of different taxes which have different degree of efficiency and practical application, and (3) some people work for free or pay it for you. The most efficient options are (1) and (3) but (3) seems rather unfair. Allocation of money through taxes creates excess burden which mean it is inefficient compared to option (1): people pay it for themselves. Intuitively we might expect to mechanics to occur: (i) some people are scared away by the fees and (ii) some people pay the fees because they believe their effort will be worth the $250. (ii) Implies that people who are not serious or believe enough in their own initiative will avoid spending the $250, and I think you will do the same despite the lack of money as it is now. In my honest opinion I think mechanism (ii) is strongest and therefore, I think it is both economically and socially efficient compared to the other options. With that said it is possible they could lower the fees, for instance, due to inefficient management at the administration.