Some of these win-win relationships are about offloading risk from more risk averse people to more risk neutral people and by trading present resources to high time preference people for future resources to low time preference people.

econ

A window into modern loan origination - Bits About Money

Scoresby

It is pretty amazing. 

Some of these win-win relationships are about offloading risk from more risk averse people to more risk neutral people and by trading present resources to high time preference people for future resources to low time preference people.