If you&#x27;re buying a product, sure you can make out like a bandit.  But in this case its a contract that can stretch into unforeseen consequences.  For example you get a loan on X terms with Y seller. Y seller goes out of business (due to being a pyramid scheme) and now your contract is sold to the highest bidder to satisfy investors in bankruptcy court.  You now hold X contract with Z seller who may be strongly incentivized to take advantage of any terms in your contract that allow for changes.<p>In order to make out you need to satisfy the terms of Y seller&#x27;s contract before they fold -- and balancing the incentives vs unknown risk of Z at unknown time, its probably not worth your time.<p>The exception to that is: You have enough capital to sign a contract so big it actually forces Z event, then have the political clout to make sure the court rules in your favor rather than the investors. All the while also buying insurance against Z event.  Then you have something similar to Goldman Sachs&#x27; profitable moves during and after the Great Recession.