"Hi, Toys 'R' Us. I'd like to take out a 90 day, interest-free, risk-free loan. Sure, I'll give you collateral, but there's a good chance I'll be taking some of it back. Possibly all, we'll see. It all depends on if I can make a profit on the inventory you've agreed to loan me."
I am just commenting on how I feel about this M.O. If my comment may only be made in the ethics thread, then I apologize and would like a moderator to remove my posts.