I think loan is a scam. An economy needs, only, free funding and a tax system and nothing else. Do you agree?
Banks are not only made to safekept our money, banks have evolve into a business monster. Banking system is a legal way to cheat people that is to use the money against the depositors. When you deposit your interest is low but when we make loans the interest is so high where in fact it is our money that they use for loans. That's why many are shifting to bitcoin as a revolt against banking system.