Once upon a time there was a man literate only enough to sign his name.  He needed a loan to help him pay his property taxes; what he got was a lease with an option to buy back his homestead at interest rates well over criminal usury.  This is no fairytale.  See a First Coast News clip about the case at http://link.brightcove.com/services/player/bcpid2857356515001?bckey=AQ~~,AAAACCo2HcE~,Xq6bv4z8O3WrBlTuUCc4XcMYQJmz5JX6&bclid=0&bctid=3386650672001.