Borrowing money is the borrowers responsibility. It is not your money. It is someone else's. You talk all the risk and pay a premium for using money that is not yours. Period. That's how it works.
If you don't like it, don't borrow from them.
The lender takes on their own risk in lending to you, which is their responsibility.
If they don't like it, they WON'T lend it to you.
I'm sorry, but that it is how it is. You can talk about capitalism being forced on us and having no chance of buying a home without finance etc etc etc. But that is not true. You can buy a house without finance, just not in the big capital cities of affluent countries. Why? Because everyone wants to. Simple.
