>>509055195 (OP)The "loan" is your money from the future taken out of your pocket. Legal definition.
You pay a middleman, the bank a protection tax + interest + tip for the privilege of giving you your money from the future, which you're forced to deposit with them and pay more ...ish taxes.
It's a bullshit notion. You're enslaved to a pyramid scheme where you only lose so others (privileged parasites that haven't worked a job in generations) win.
They skim the fat from your wages, deposits, earnings and handle you the cheque to pay (debt, interest, inflation, maintenance fees, exchange rates, annual fees, account fees, service fees, etc)