As I've pointed out previously, American political discourse is heavy upon ethos, the appeal to character, and pathos, the appeal to emotions. Logos, the appeal to reasoning, is my favorite, yet does not encourage interest among Americans when discussing politics. What's important to Americans is how they feel and what the personalities are.

Imagine for a moment that some salesman offered you a deal.
They are willing to let you loan them money, and would only charge you a nominal fee plus a small rate of interest for the transaction.

In a sane world your answer would either be either, "Uh, no" or you would laugh in their face, depending on your mood at the time.
Pay to loan money?!? That's insane. Not just insane, illogical.