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@hakui
> starting a business requires upfront costs

Not always, but it definitely helps, even for industries that don't require a lot of capital, eg consultancy.

> covering those costs with a bank loan ... is clearly easier than saving up to meet those costs

Accepting this for the sake of argument;

It's quicker, for sure. It's also significantly more expensive, and makes your business a subsidiary of the bank until you can pay it off.

*But*

This isn't actually how business works.