lending money helps people unlock activity they want to do today, but can only afford tomorrow. E.g. live in a house, or have a car to commute. Even short-term

lending money helps people unlock activity they want to do today, but can only afford tomorrow. E.g. live in a house, or have a car to commute. Even short-term loans can provide very helpful liquidity to folks facing a cash crunch. Why is that not adding value?