Some relevant questions:

What does it mean that a business plan sucks? How does the bank know? Is the bank correct? [So - insert paragraph about actuarial risk analysis here. But...]

To what extent do the banks themselves create the social conditions in which certain business plans can be guesstimated to suck, while others appear not to?

What is the true cost of the percentage cut taken by the banks? Is that cut a good use of social and natural resources?

How could "business" - let's pretend we know what that means - be organised in ways that don't require these costs?

These questions don't have obvious and simple answers.

In fact, I think providing good answers to them would be rather like removing the idea of god from medieval politics.