Cool. I think I'll be planning a nice holiday to Las Vegas this summer. Business class flights, 5 star hotels, and I'll get the bank to pay for it via a loan. No need to feel morally obliged to actually repay the money, because that's what insurance is for!

Who wants to come with me? Don't worry - the bank's paying so your holiday is on me.

It's so easy to get free money from the banks, that's why everyone does it!