Glede na to, da je bil Hynix oktobra 2001 ocenjen "SD" in da je pri komercialnih bankah običajna praksa, da v primeru odloga plačil zapadlih obveznosti povečajo obrestno mero, je mogoče sklepati, da bi običajen komercialni posojilodajalec lahko uporabil neskončno obrestno mero, če bi sploh razmišljal o odlogu plačila zapadlih obveznosti v takih okoliščinah.
Considering the fact that in October 2001 Hynix was rated SD and that it is normal practice for commercial banks to increase the interest rate in case of maturity extension, it can be concluded that a normal commercial lender could have very well used an infinite interest rate if it ever considered extending a maturity under such circumstances.