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
If he takes the loan from a commercial bank or from a legally registered loan firm, he will definitely have to repay the loan because if he doesn't, he will be charged for it and if there was any collateral for that loan, it will be liquidated and he will bear the consequences of his action. The only way he will not be disturbed for the loan is if he keeps repaying the accumulated interest and re-borrow the parent amount.