Is it evil to rent a house?
Is it evil to rent a car?
...
Is it evil to rent a sum of money?
When you take out a loan, you're just renting, and paying rent to a 'landlord' (the owner of the coins).
That rent can be in any form; If no BTC are available, then pay your rent in massages if that's something you and the owner can agree on.
Is it good to rent a house, when most houses are owned by a tiny percentage of people? Even though they were built by a majority of people with minerals that are billions of years old?
When you take out a loan, you are just borrowing back from people who did real work that have had their work funnelled to a coke smoking banker who doesn't know how to hammer in a nail.
The exploitation can be in any form, if there are no BTC available you might need to pimp your girl to the fat man, something you can agree on.
Have you considered thinking outside the ridiculous assumptions that hold your paradim together?
PS
I can't spell, its outside my paradise