Producing value is an activated process[1]. Without money, the investment needed to produce value can't be made, and the value that would have been produced ove

Producing value is an activated process[1]. Without money, the investment needed to produce value can't be made, and the value that would have been produced over the lifetime of the product or service is lost to society. The entire point of a loan is to reallocate money to people who need it temporarily. Without loans, only the rich could start businesses. This is especially relevant outside of the software sector, where the costs of things like factory tooling cost significant amounts of money. [1] http://en.wikipedia.org/wiki/Activation_energy http://en.wikipedia.org/wiki/Activation_energy