I agree, but look where it’s gotten us today.
Yeah – the most powerful economy in the world 
What’s gotten us here today are the mortgages, not the business loans. The problem is that because of the mortgages the banks don’t want to take the extra risk with the business loans or they do it at a price of opening the shop in Town B will cost you $25,000 per year.
You need the loans in order for your economy to grow. If there were no loans, we would still be driving the Ford Model Ts, use the Morse code to comunicate and Internet would be a dream. I want my kids to live better than I do, not the same, at best.