So you set their interest rate based on their parenting skills and not their income, credit, etc. That kinda bothers me.Open carry aside, that sort of comment from the parent of an ill-behaved brat grates on me. When I was a bank loan officer I couldn't count the many times I interviewed prospective loan customers who had small children with them who were misbehaving terribly. The foolish parents made the same kind of threats to the kids. "If you don't sit down and behave I'm going to sic that man on the other side of the desk on you."
The lily-livers couldn't control their own kids, were to wimpy to administer proper discipline at home or anywhere else so wanted to use me as the "heavy" to put some sort of fear into their brats. I'd have put fear into them too if I had had my way. Their little hineys would have been blistered when I got through with them. Of course parents of such brats would have had a stroke if someone took their young punks in hand in the manner in which they so desperately needed to be handled.
As it was I've seen kids be allowed to drag the books out of my office book case, climb in the Venetian blinds damaging them, mark on loan memos, supporting documentation, and other papers on my desk, yank the tape out of the calculator and tape dispenser, pilfer in my drawers, dig in the potted plants, strow the contents of the waste basket, and eat all the wrapped candy. I'd would call the kids down if the parents failed to address their misbehavior. Many times the parents turned on me for doing so. That was fine. Back then we had a lot of latitude in assigning interest rates to the consumer loans we made and I never failed to hammer such parents with the highest rate possible if I granted the loan, just because of their bratty, ill-behaved children.