However, some people don't agree to turn to banks for loans. First of all, they hold the opinion that people should earn money by themselves. Secondly, they think it's very complex procedure to get loans done. The last reason is that they support that it's troublesome to return money to banks.
In my opinion, it's a good idea to have help from banks, but we should always bear in mind we should be responsible for ouselves and for banks, too.