Hmm ... are we still on the same page?  This is where the discussion started: <a href="https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=10995433" rel="nofollow">https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=10995433</a><p>You seemed to be claiming that a bank incurs no cost (&quot;no effort&quot;) to issue a loan.  Are you sticking to that?