I see where you are coming from. But most small time farmers the land has been in the family for generations. The current situation makes it basically impossible to make any income on anything less than 500 acres. The subsidies don't help the poor farmer who is trying to make a living on a 200 or 300 farm. Their land might be worth a lot and yes they could borrow and do. But they are not making a lot of money by any means. Just because their land is worth millions does not mean they are living a life of luxury, if fact it is often just the opposite. Now there are a lot of farmers out there who have thousands of acres and the knowledge and ability to advantage of all the subsidies and yea, they are raking it in. But for every big time farmer there is a small guy barely getting by. BTW it doesn't matter what you are worth, it is all about the cash flow. Ask any business owner, myself included. If you don't have positive cash flow, it won't last for long. You still have to pay loans back, as your girlfriend knows.