Too easy loan?

Do you think that it’s too easy for you to get loan these days? Left and right, different banks are competing to get customers for their personal loans. If it’s not that, usually it’s credit card or some other credit related products.

But seriously, how do the banks do the checking to determine which customer to offer secured loans, and which to offer their quick loan? Do they just simply go out and pick any average Joe and just provide them the credit facility? Seriously, i really thought that’s what happening.

I seriously think that these banks should really stop offering all those loan, and concentrate on debt consolidation instead. I think there’s more market in debt management than credit. I guessed there’s a lot of people out there who look for ways to settle their loans in the least painful way. Maybe I’m just worrying too much.