They are repaid to the bank, which is obvious. No one said they are gifts. They are loaned at ridiculously low interest rates, and the government never sees an

They are repaid to the bank, which is obvious. No one said they are gifts. They are loaned at ridiculously low interest rates, and the government never sees an ounce of tax from the individual, which is the entire point. Like the person you replied to said, the mega-rich don't operate on income like the rest of us. Why does that make them completely immune to taxation?