It isn't about the genetics, it is about the money factor.
I got a het albino male this year in a trade. As an extra. They were going to sell him for 70.0 but threw him in as an incentive.
But to get a female could cost me 700.00 to 1200.00 (depending). So that is the point being made.
If I buy an albino female and spend the time, and invest the money in raising her up to breeding weight, at some point I will invest in either an albino or a het male for next to nothing (in comparison).
And to do a loan for a het male is not a fair trade. A 50/50 split of the babies, means the person that invested 70.0$ would come out with an AMAZING profit, and the person that invested 3 years and over a grand would come out with the same deal.
The person would just invest their own 70.0$ (or less) and double their profit.
Make sense?
Bruce