Give Middle class the Dream of wealth by giving them credit loans... So the option to borrow from future... All good all happy 
Loan = good = happy is a terrible equation. The truth is more like loan = evil = sad.
As a matter of fact, loans are more or less a trap. Banks and other lending entities have been playing the role of loan sharks in the past decades. They've made enormous amounts of money out of borrowers. They've acquired assets from those who defaulted.
Middle income families are better off avoiding loans. I've personally witnessed families who are trapped in debts that they end up paying them all throughout their lives.
Loans aren't necessarily bad.The real problem is how do people use those loans.If you get a loan and use the money to invest and grow a successful business,there's no problem.
If you get a loan and waste the money on food,gas,expensive stuff you don't need,etc. the of course loans are bad.
The covid pandemic has little to do with getting loans.I don't know from where did OP got the idea,that people,who take loans will face less restrictions?This sounds like nonsense to me.