Joe the Plumber isn't what I had in mind. There has to be some basic level of feasability in the candidate's promises. I certainly didn't mean to imply that you vote for the guy with the wildest flight of fancy as long as you like the fancy too.
If I were a lender and Joe appeared before me to ask for a loan to buy out his boss, I wouldn't say no automatically, but I'd look at a few things - - lack of a licence, lack of prior entrepreneurial experience, lack of ever meeting a payroll for any reasonable period of time, inability to clear a miserable little $1,600 lien off his property - - and then I'd ask him, OK, what do you have that would make me want to lend you a million bucks? Show me a reason. I don't see any reason. Joe's chances of getting turned down are as close to 100% as can be reasonably expected.
Doesn't mean no chance at all: he might find a rich widow he can charm; might win a lottery; but in the normal course of human affairs, Joe, at least for now, is fucked. He needs to start small, maybe moonlighting, building a small trade and slowly growing it incrementallly, PROVE HIMSELF before there is any reasonable chance of getting the financing to buy out the boss.
The basic difference is seen only by those with basic common sense and basic business sense - - Obama has some reasonable chance of achieving some of his objectives, Joe has little to none.