Talking of legit in America, USA को most banks डुबेको के ले होला कुन्नि ? where the top notch graduates work.   So, people working in wal street, please don't think that you are smart. I think oversmart to ruin the economy. They don't know who is ruling the bank.

If bank offers you loan at 3% one time, why not use that opportunity to make more money by using our brain. US gov is only interested in getting back their money. So as far as you are paying their money, who cares.

In Nepal, if you have a very good connection with good people, (who wants money immediately for their business and don't want to go through bank for few lakhs), you will definitely be carodpati in few years. There are quite a number of good people out there. Not all are Mr. Karki of Texas.