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.
Which country do you come from and what is the loan policy there like. Do people actually take loans without repaying? If yes, what will happen to their collateral? I was thinking you'll say that they should get a lawyer, but I was surprised when you said they should get an accountant. What will an accountant do here?
Loans are used by millionaires to become billionaires. If you are advised by financial experts, you will understand the idea of getting a loan. Please don't near the lending board with this your ideology.