So Alice and Bob want to borrow money. Alice has a job and Bob would have a job if only I lent him some money to get to that work place.

Should I lend to Alice or to Bob? If Bob is offering me more in return, I would obt for Bob but for Alice otherwise. With Bob I might need more scrutiny to decide if I would facilitate getting to that job or if the money would not contribute to getting a job at all but for some extra return, it might be worth it.

I don't know, if you cannot account for risk in your lending business, I don't see much business.