I think loan is a scam. An economy needs, only, free funding and a tax system and nothing else. Do you agree?
What are you trying to say? Loan is not a scam its a chance that you can use your money that not yours but you can use it in emergency or daily need so why do you think it is scam? And why the banks dont give money ? Ifthey give money how they earn. They working for money to earn money not to give money to others.