Yes, exactly. In fact, this could be interpreted as evidence that the bank's standards are close to ideal. The loans have a basically neutral effect on the ma

Yes, exactly. In fact, this could be interpreted as evidence that the bank's standards are close to ideal. The loans have a basically neutral effect on the marginal borrowers (the only borrowers included in the Dartmouth experiment), which is exactly what you hope to see if you're trying to draw a line between people who would be helped by loans and those who are more likely to be harmed.