I love the way super smart people (eg Top Google execs) often believe they're so smart they can't screw up.
Weren't they always top of their class so clearly they know best?
There's extremely sharp and ruthless investment bankers involved here who have persuaded Google to target small business owners / sole traders / individuals who shouldn't be buying advertising if they can't afford it without vendor financing at moneylender rates of APR.
(At least if you're doing vendor financing, you're probably savvy enough to get professional advice. Are sole traders?)
What can possibly go wrong....
(Misselling of Mortgages, PPI, MF Global etc - Read ZeroHedge for more)
Goodbye "do no evil"