Oh wow you've just got it all figured out man!
Loans = slavery!

Oh wait, except debt forgiveness (bankruptcy) is the whole reason we don't have actual slavery and is one of the most important ingredients of a truly free society. It puts part of the responsibility on the person making the loan by refusing to allow them to enslave another human being just because they're in debt.

I bet you think fractional reserve banking is a scam too  

You can cherry pick a few wackos and make any group look insane and evil, and there's no real difference between what Barbara Spectre says there compared to the average regressive liberal world view. She's just another dumb r-selected woman.