[a_d]

What you say may be true for almost all the products, unless when the product is 'money' itself. Something worth considering.

Easy access to low-cost loans creates the illusion of affordability and exacerbates over-consumption (over-consumption: a general malady afflicting most humans)

[skybrian]

But the article is arguing the opposite of over-consumption, that there are not enough loans to small business.