[usernew]

you keep making up that strawman "making loans to people who can't pay." they literally pay, and they literally always pay, by the definition of the phrase "unforgivable loan." It is not the bank's job to make sure you take out a loan and live comfortably, instead of taking out a loan and have to sleep on a bunk bed with a roomate for a decade, while eating lentils and the cheapest of ground beef.

I'm not going to bother reading your reply, because you seem to regurgitate the same thing over and over again, without understanding that what you are saying is factually wrong. All I can say is, good luck in life without comprehension of simple things. You're gonna need it.