You have surplus food, two people, one poor and hungry the other well fed and wealthy, who do you invite for dinner?

You are a bank, two people, one needs a mortgage for a first home, the other is a multimillionaire investing in property, who do you lend to at low rates.

What if interest rates on lending were based on need not risk?

We accept the argument of risk driving lending rates as understandable but condider this;

If you stress a so called higher risk person with higher rates they are more likely to default, so you exacerbate your own risk as a lender, not logical....

If you provide low cost lending to already wealthy people who don't actually need more money then you exacerbate inequality destabilizing society and the economy, not logical....