Note: give yourself considerable time between each of these steps. Rub on arm, wait fifteen minutes. Rub on cheek, 30 minutes. Rub on lips, wait an hour. Put a bit on your tongue, and spit - wait two hours. Eat the teensiest bit, and wait 8 hours. If you still haven’t had a bad reaction, then maybe eat a berry or two, and wait another 8 hours.
If you rush the process, you might die.
You expect a bank to make high risk loans to unproven ideas? What about loans did things which are controversial (think dispensary or brewery)?