Indeed these margin rates are way too high and it would be madness to borrow at such rates.
Yes. I'll invite you.
There's also a facebook group and event:
I'm Marko, a mathematician from Germany. I like nerding around with epistemology, decision theory, statistics and the like.
I've spent a few wonderful years with the Viennese rationality community and got to meet lots of other interesting and fun LessWrongians at the European Community Weekend this year. Now I'm in Zürich and want to build a similar group there.
Thanks for giving me so much food for thought!