Loans - bad; No Loans - bad

Well...banks gave variable mortgage loans to people, mostly middle class, on high end homes, and got them stuck in a debt spiral where the money owed eventually exceeded the value of the homes. They knew better than to do it, but those variable rate mortgages are a money maker for banks.

And drug dealers sell narcotics and make lot's of money from it, but I can't use that as an excuse to get out of a possession charge after voluntarily making the transaction.