Very cool, if true

Not answering that poll. It's set up to make you look like some sort of paternalistic "nanny state" type if you choose the first one.

The question is not a moral one, it's a practical one. Empirically if people are offered loans that they can't pay back they will take them. This will mess up the economy a few years down the line as people default. Therefore you have to stop people from borrowing too much. Similarly, if banks have liquidity to lend they'll lend it, therefore you need to stop them from lending too much.