@jwcph but banks can go bankrupt, the cost of lending money is taking the risk, that you won't pay them back. They are not allowed to take many risks anymore, which is why you have to provide securities in some way, or the cost of lending skyrockets.
Since we are in capitalism, that's the one way to get money that you don't possess, to do stuff that's too big for you at one given point int time. How else would you do things, that are too big for you alone?

@mu @stefano yeah, I often think about company. They did a good invention, went belly up, and then what? You have to sue them to be able to maybe see again? No way.