Plus the banks fall over themselves to lend out this money because of how 'guaranteed' they perceive the return on their investment to be. Like private consultations, free drinks, free meals, being treated like royalty so their bank can be the one to earn the $10,000+ interest on one of their large loans.
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Yep, as the saying goes, owe the bank $100, your problem, owe them $1,000,000,000, and it’s their problem