Realistically I wouldn't see this as entitlement to new people or to someone who is new to the cryptocurrency because as I used from some of the exchanges that offers loan, there most be an equivalent asset that is hold back on the exchange to serve as a repayment purpose.

Coinbase has been the most reputable exchange with a higher trading volume which even if they offers such loan on their platform they should have a means to regulate every loan that would taken from their platform to avoid going bankrupt when borrower has refused to repay back their loans.