Totally agreed with you as they also have the habit of loaning people money for houses and cars and most anything else. As soon as the house owners become unemployed and cannot pay their bonds, then they are simply kicked out and the houses are taken back by the banks.
Not one cent of the payments over the years is returned to the defaulters.
So miss a few payments and see how the banks care for their people.
Even our charity is regularly bombarded by the banks with loan offers.