Hadn't you heard?

没听说过吗

What do you think?

你觉得怎么样

impatience theory of interest.

理解了利息的迫切理论

and it's the tradeoff between patience and impatience which is

这两者间的平衡

Not a disaster: the lender doubled her money.

虽不算太糟 贷方获得了双倍收益

on a small scale and make some money.

虽然说规模有点小

My borrower can't--we get into some trouble,

我们遇到麻烦啦

then the bank has to repossess the house,

于是银行不得不收回房屋

Almost always, it will be at an interest rate

而且通常借款利率会比

And almost always, in the case of public or quasi-public activity,

通常 就公共活动或私营公共活动来说