Imagine: you visit your bank manager to explain you would like a loan to continue to run the family farm but you have chosen to excise half of your land and forests for their intrinsic biological values. That, of course, impacts your ability to develop fully the business potential of your property so you are only earning half what you might. As a result you have a fantastic lifestyle, many want to come and stay at your place for the weekend (but not forever) and play in your forests, you're as poor as a church mouse and you're getting deeper in debt.

The manager tells you that your loan interest rate will have to go up substantially unless you maximise the potential of your property to run the business profitably. "I might like to do that," you respond, "but I own the property in partnership with some colleagues who actually want to lock more of it up."