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.
Whatever point you are trying to make here cannot justify the reason why you shouldn't pay a loan you took from an individual or organization especially when you have that money in your possession, sometimes we blame the government for everything due to how corrupt the leaders are forgetting that we also have to change our mindset so if we ever get that opportunity to rule we won't do the same thing, this is actually a actually portrays you as someone that lacks integrity and people wouldn't want to do business with you