True but i think the only one entity who is legally able to give private, non-business, non-mortage loans should be the state, a fair, justified loan with peopl

True but i think the only one entity who is legally able to give private, non-business, non-mortage loans should be the state, a fair, justified loan with peoples who can help you (make the calc, give you alternatives etc), without the interest to suck you dry, but help you on the way so you can pay your/more taxes in the future.