Can't all those be turned around? I don't think they're any kind of truism. Interest compared to return on your use of money may not be any kind of disincentiv

Can't all those be turned around? I don't think they're any kind of truism. Interest compared to return on your use of money may not be any kind of disincentive (you profit by borrowing, that's the expectation) Lent money always (ALWAYS) represents risk as well, for the same reason given above. There's risk in anything, sometimes to proceed you accept it. Calling that 'ignoring it' doesn't make it any more important. And I have no idea what the comment on bankruptcies is about. But I agree on the main point, which is some armchair pundit like the OP finds it easy to draw a circle around a cherry-picked part of the economy-space and say "See! Some Obvious Conclusion!" and think they've said something. You have to look at all of it of course, as a complete system.