Sosheel Godfrey warns against making a bogeyman out of an alternative banking system. That is, he doesn’t see the so-called ‘middlemen’ of Pakistan’s dairy industry as evil collectors that rob farmers of profit, rob the chance to sell milk urban consumers. Rather, he sees them as a part of the community, investing back into their communities through the farmers. Living alongside the local farmers, they extend cash advances to farmers, sometimes providing loans to small hold farmers. And so, their motives are not just making a profit, but rather helping other members of their community to survive and thrive.