Imagine what will happen if bank give free money, all of human will become lazy and the economic of the country will stop
Yeah it just does not make sense for the bank to give out free money. They have to pay there bills and the people that work there ass well so they have to make money so that is why they give out loans.
Yeah no one would give a random someone free money that is just not how things work. Everybody needs to make money and giving away free money is just never a smart thing to do.