Your reply reminds me of a conversation I had with my father several years ago. He is a hard core Republican, while I have always been a firm Democrat, like my grandfather. At the time he was running the two family farms, my mother's parents and his parents. I asked him, if you borrow money to seed and fertilize your fields, and they fail, do you still have to pay? He replied that yes, he would. But then I turned the tables, I asked him, if you Dad borrowed money to seed and fertilize his fields, and they failed, would he have been responsible for the loan? The silence was deafening, and after a long pause he kind of mumbled, "no".
That is a change. In time past banks took on the risk of failure, rather it be crops, or a car that loses value. Today, that is not the case, which begs the question, what are they collecting interest for if not the risk of failure.