I agree, and ‘in-short’, we must establish trade & commodity trade finance (not commodity finance until new lending entrants have sufficient size to diversify to any other lending type than pure transactional finance at logistics, in-transit and receivables stages) as an asset-class. This from the founder of the 1st marketplace lending fund outside the U.S. in 2012, and been investor to commodity trade finance funds between 2009-2017, and redeeming on time, before most collapsed (what Eureka trade finance index constituents?). Another issue the timely calls in January 2008 and in May 2020, of Armageddon and Greensill’s collapse.