I don’t care whether we’re talking about Musk or anyone else - any bank that lends money while taking into account the “personal guarantee” of the borrower has only themselves to blame for any losses.

OF COURSE a potential borrower is going to make lending sound like a good idea. The borrower is as biased and impartial as possible. If anything, these banks deserve to get bit in the ass for being blinded by greed. Maybe the people who approved the loans shouldn’t have that authority.