Edited sentence: " Travis Waldron of Think Progress noted that, unlike the TARP funds, "the loans came with virtually no strings attached for the banks".Businessman and commentator Peter Schiff argued that since the problems of the American economy were created by excess credit and debt, a massive infusion of credit and debt into the economy only exacerbates the problems.This argument has been opposed by both supporters and critics of the program.Viral Acharya, a New York University economics professor who has worked as an academic adviser to the New York Fed, observed: "Banks don't give lines of credit to corporations for free.Why should all these government guarantees and liquidity facilities be for free