[peripitea]

I'm not an expert on small business loans, but I would guess that incentives take care of most of this problem. The higher the loan you have, the more cash your business must have been generating in the first place, therefore the higher incentive you have to figure out how to keep it running. There probably aren't too many scenarios where you are both eligible for a material loan from Stripe and yet not highly enough incentivized to figure out how to make the business work to the best of your abilities.