Generally speaking, yes, real investors are heartless wolves. Whenever banks have better deal - they go to bank. Investing in a bunch of smart ambitious dudes

Generally speaking, yes, real investors are heartless wolves. Whenever banks have better deal - they go to bank. Investing in a bunch of smart ambitious dudes is already an extremely risky endeavor. But its a spectrum, not black and white. When money is cheap (aka “good” times) more investors are ready for more risky investments. When money is expensive - less.