Nothing dealing with banks is this simple minded. Be serious. The banks manipulate people who have been paying faithfully into default and screw their credit to stop them from going elsewhere with their business, then they sit back and tighten the screws.
Most people pay their credit card "balances" off 2 and 3 times over before the bottom line says zero. On top of that, the sites like kiva.com and other crowd funding organizations have a nearly zero default rate. It's like 1/4 to 1/2% of the poorest people don't pay back these loans.
Maybe you apologize for the banks for fractional reserve banking to fund the government too?
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