Capacity to repay the money is also important because if the loan is not repaid the bank has to write it off against profits. Collateral is a necessity in many instances if a borrower is not well known to the bank or wishes to borrow the money for a less than conservative venture. If the only collateral available far exceeds the value of the loan, this cannot be laid at the feet of the bank as being unreasonable. Start a Venture Capital Fund. They can take their money out of these Banks that, in their view, stifle entrepreneur-ship and lend their money to anyone for any project they like.
Nothing is easier to find than injustices.
All sorts of political messiahs make a career out of focussing on such distractions. Nothing is easier to find than injustices among human beings, whether in a racially diverse or a racially homogeneous society. But if injustice is going to be your crutch, then you will always find enough to keep you hobbling all your life. Regrettably, many of our political leaders here at home would rather keep us hobbling than see us succeed on our own ability. Free the economy of the trivial licensing requirements and the bureaucratic maze.