For a tech company, common sense would require to make the founders liable to the debt, otherwise they can pay themselves a good salary -with the money borrowed

For a tech company, common sense would require to make the founders liable to the debt, otherwise they can pay themselves a good salary -with the money borrowed to the bank - and then bankrupt the company. For this reason - as well as other reason people here already mentionned - the banks won't lend so much money to a young tech company.