No...because in your example, the captain is getting out at 10 years. 10% of zero dollars a month is...let me do some math here...carry the one...ZERO DOLLARS. That captain could, alternatively, walk away with $23,000 IN INVESTMENTS which will continue to grow for the next 30+ years before said captain is ready to use it. At 7%, that $23,000 is worth about $175,000 in 30 years.