I don't see the irony. The lender wishes to purchases a future stream of payments, and is willing to accept a certain amount of risk proportionate to the interest rate they are willing to lend at. The borrower wishes to purchase cash now, in exchange for paying it back in the future plus some amount of interest.
The only question is whether or not a lender is willing to sell their cash now at an interest rate that the borrower finds agreeable. Sometimes, if you really have a bad track record, you can't get any financing, but in most cases financing is available, just not at an interest rate the borrower is willing to pay. The borrower also has the option of obtaining financing via selling equity.
Bottom line, financing is available at terms that have positive expected value for the person with the cash, not based on how much the borrower needs it or not, as with all other vendor - consumer relationships.
The only question is whether or not a lender is willing to sell their cash now at an interest rate that the borrower finds agreeable. Sometimes, if you really have a bad track record, you can't get any financing, but in most cases financing is available, just not at an interest rate the borrower is willing to pay. The borrower also has the option of obtaining financing via selling equity.
Bottom line, financing is available at terms that have positive expected value for the person with the cash, not based on how much the borrower needs it or not, as with all other vendor - consumer relationships.