and make out some benefits if you do really know on what you are doing but if you are taking up some loan for the sake of some leisure and some liability purchase then you are going to fuck
up yourself later on.
I agree on this. You are right. The rich people do take loans from banks, but they use it in such a way that they never get mixed up with the matrix. They have the ability to pay back the loans in time without giving them the interest they charge over time. Also they use that money to make more money.
As long as you play the smart game, you can stay away from the system, thus stay away from the matrix. But the banks specifically target those who are unable to do that. They collect all the information and comes up with a scheme that will keep them with the matrix.
So yeah, you are pretty much fucked up if you have no plans on how to manage that money to make good use of it and spend it all on luxury.