How will a bank manager be able to tell if a book deserves to be financed or not? And will the bank take a loss if the book doesn't sell? Crowdfunding is a lou

How will a bank manager be able to tell if a book deserves to be financed or not? And will the bank take a loss if the book doesn't sell? Crowdfunding is a lousy way to fund a book. Backers in general are willing to fund printing costs on finished books, and that's it. They will not pay a writer in advance so he can spend the next year writing a book. So either he's taking a job, or dipping into his savings. And he will at least have to pay for the cover design and other marketing materials in advance, because visuals are crucial in a crowdfunding campaign. Then, he spends at least six weeks preparing and running the campaign, during which he will probably have no time to write. After that, he has to deal with publishing and fulfillment issues, but after all that... well, he probably breaks even. But he will have some excess inventory left that he can sell directly or ship to distributors at a deep discount to try to make some profit.