In a hard-money, free market system, the money represents real resources (this is a good thing. we agree).

In order to loan someone money, you would have had to save it first, representing a a deferment on claiming the real resources (this is what savings is). The monetary supply is unchanged throughout this process. We're not getting anywhere near fractional banking, don't worry.

"If you can't afford it, save first" sure, this is a choice someone can make. And a fine one.

But so is "the timing matters to my enterprise and I suspect I can do even better if I start today with a loan. If I start _now_, my expected revenue will more than cover the interest payment".

Why are you so insistent that an individual shouldn't make that choice for himself and his business?