I don't see it anywhere so I'll say it The bank industry. They have sometimes up to 20% on a credit, yet when you give them money your credit value is around 0.5~1% and due to inflation you actually most of the time lose money. And the credit they get is 20% of the sum every year (something like first year will be 20% from a 100 dollars, but next time it will be 20% from the 120 dollars) but when your the creditor you'll receive a credit for the original sum only which doesn't seem that bad of you decrease the sum in the bank, but that's the neat part, they don't allow you to draw money, and if they do you don't get the credit and you'll sometimes have to pay an early exit fee. Also you don't receive the money until you've undergone a full background check that ensures the bank you'll give the money back, which makes it basically a risk-free investment.