When you take the money you AGREE to the conditions.
Yes, but that wasn't the question.
Also, main street is not in a position to lecture banks about how a debtor is supposed to behave, at the present moment. In case everybody just forgot, it was mainstreet that stiffed bankers for about $3 trillion in bad debts in the last couple of years, not the other way around. Banks, on the other hand, are repaying their debts on the nail. Which do you hate and revile at every opportunity?
Right, as usual, the rich and successful. Class envy is a mental illness...