Sounds fine. And unfortunately banks are extremely real job creators. The existence of loaned capital to start business, pay employees and so on are a course of business development.

Ultimately, weather you like them or not, you can’t force a business to work with a given customer, especially if that customer is unreliable or requires more work.

I agree the time of government is to look after people with less/no concern for their profitability, especially when basic well-being and stability are in play.