Only a fool takes a loan and pays it back, the point is when borrowing, especially for large loans, go bankrupt, get the money out somehow, use a good accountant and don't pay anything back. if you take a loan in order to pay it back, you are a loser because the interest is your work and the effort you give away. besides, banks print money out of thin air, so this money is free for everyone.
Money makes money so with this money you can set up the real honest business or to set up next business on other person name keep money flowing then build some credit history and take new loan.
That's the smart way and your time efforts getting paid and you make atleast something out of it.
You want people to become thieves, because at its heart this is what you are proposing and I cannot agree with it, even if I think that bankers are a big part of the problem with the current economy and I consider them to be thieves themselves, it is simply wrong to lower yourself to their level.
So if you do not want to get in trouble and you do not want to pay for the interests generated by a loan, the solution is simple, do not ever ask for a loan and you will never have to worry about this.