Sure, in the technically true way. However, in practical terms banks have done a great job of making loans that get repaid more often than not. People are ok w

Sure, in the technically true way. However, in practical terms banks have done a great job of making loans that get repaid more often than not. People are ok with having a bank that pays 0% interest and uses the difference between loan's rate and the real rate to operate successfully; bankers are not ok with leaving money on the table.