Do you have any evidence or probable cause for your claims about "private companies collateralizing debt fraudulently loaned out for short term profit to people

Do you have any evidence or probable cause for your claims about "private companies collateralizing debt fraudulently loaned out for short term profit to people who couldn't afford it against governmental regulations"? Admissible evidence only, please. "They didn't build the infrastructure they use (roads/water/electricity etc.). Governments did." This is just ignorance I'm assuming. In America and the rest of the developed world, governments submit RFPs to solicit bids from private corporations. Private sector companies build the infrastructure, not the government. If your argument is that the government funds those projects, I simply ask you to think where the government gets that money.