Wrong. My nephew got tons of letters in the mail about getting loans, and his college counselor set him up with banks. Banks hunt out broke college students, in a society that tries to convince everyone that every person on Earth needs a college degree.

You really believe these banks made these loans to unemployed people, people who had bad credit, people on welfare, etc expecting to have them pay it back?

You think they're that stupid?

Regardless, change my example. Say the homeless man approached me. Banks make bad decisions purposefully, and threaten you with an armed force if you don't pay them for their bad loan.