Wells Fargo must think they have the capability to pay back the debt....not sure I have heard of a bank setting out to do business so that they would lose money.
I have pretty good credit and my bank thinks I am good for prime - 1%....if my line was bigger, I could loan SWVC money and make 2%...not bad...'cause I am confident they will be able to pay the bill on-time.
Instead, I choose to buy shares and make money in the future that way...much better than 2% any day.