debt, no interest.
but wait, you say - muh risky borrower!
build it into the cost of the item.
and it's specifically under the age of 14.
https:// www.justice.gov/usao-edny/press-release/file/1055196/download
Title 18,United States Code, Sections 1591(a)(l), 1591(a)(2), 1591(b)(l), 1594(a),2 and 3551 et seq.
Title 18,United States Code, Sections 1594(c) and 3551 et seq.
Title 18, United States Code, Sections 1594(b) and 3551 et seq.
1591 is specifically sex trafficking of minors
https://www.law.cornell.edu/uscode/text/18/1591
and note: 1591 (b)(1) NOT (b)(2),
"Jane Doe" 1&2 are both under the age of 14.