Loans aren't created out of thin air. They are created out of deposits. Depositors are expected to know exactly what they're putting they're putting their money into. Whether that's a reasonable expectation is another matter entirely.

You have a strange idea about responsibility. A lender has no responsibility or obligation to the debtor other than to actually provide the loan itself. The lender will of course be annoyed if the loan is never repaid, which is why they don't make loans to those who are bad credit risks, but that's not the lender's responsibility. Repaying the loan is the sole responsibility and obligation of the debtor.

We've seen the worst effect of bankerster's greed brought to the world -- trust in financial institutions was lost. 

We are seeing the worst effect Pirate brought upon BTC community ... trust in bitcoin businesses is being destroyed.