I feel like you just reinforced the parent's point? In a distorted macroeconomic environment (as has been the case for a decade plus in the US), banks are gener

I feel like you just reinforced the parent's point? In a distorted macroeconomic environment (as has been the case for a decade plus in the US), banks are generally loathe to have false negatives, which makes a loan denial a fairly strong indicator of untrustworthiness.