Oh, Putin’s a genocidal monster. He wants to eliminate not only the independent Ukrainian state, but the very IDEA of Ukraine. And the risk that Russia will be cut off from its funds, potentially for decades or more, because of his actions IS a risk that anybody should consider when thinking about lending money to Russia. After all, just as in the childcare case, if you’re not getting the money that you are owed, it doesn’t really matter why. But there is still a distinction between willingness and ability to pay.
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