A close reading of the TRUTH AND LENDING disclosure on a "consumer credit contract" will validate that the FINANCE CHARGES are the dollar amount Cost for BANK MONEY (Credits) AMOUNT FINANCED.
In other words there is a "foreign exchange" rate between 2 different species of money (credits and dollars)..
As an example if FINANCE CHARGE is $7,000 dollars for "$25,000 credits" (Amount financed), than the purchase price to you in dollars is $7,000, not the $25,000 "Amount Financed" credits. Credits are Foreign to U.S. Dollars.
The $$$$ sign is used by over 28 countries and each has an exchange rate with the others, BANK MONEY (Credit/debit) uses the $$$$ sign like these other countries, and has its own variable exchange rate like any other currency foreign to the United States
