Microfinance is a psychological enigma. It is not in anyone's economic best interest to lend money to strangers without getting anything in return. Without interest or guarantee, what is the motivation to take on such financial risk? It seems more akin to charity than to banking. Is it? The fact is that we don't know the neuropsychological underpinnings of such selfless lending.
Think of it like this; a 740 credit score is the equivalent of an A+, and there is no such thing as A+++++. If you have a credit score significantly above 740, then I suppose you can brag about it to your friends, but you won't receive any benefits above what you would have if your score was just 740.
Research shows that America's youth has a deep lack of understanding when it comes to finances and how to properly manage money. These disturbing statistics have generated a national movement to incorporate financial literacy into our education system and encourage parents to teach money management lessons at home.