Compounding debt at the currency bank level is bad

Frederick Soddy’s Debt Dynamics 

In his book Debt: The First 5,000 Years, David Graeber argues that throughout history, default was the most common way of dealing with debt. Often this happened on a large scale in something called a ‘debt jubilee’. Unpayable debts were wiped off the books, allowing debtors to start fresh. Of course, this wasn’t a long-term solution. Eventually debts would accrue again, requiring another jubilee. But as long as debt loads remained reasonably small, the cycle could repeat without too much trauma.

The currency banker cannot bet time as time to completion is a hidden variable.  The whole point of banking is to keep time to completion a secret, or a random variable.  That is what the entrepreneur is trying to defeat, time.