Say all your assets were gone, you lost your job, you have no money, nothing but the clothes on your back. Banks won't loan you any money so you'll have to depend on your friends and family only.
How much would your friends/family be willing to loan you?
I was there at that point. Not a single family pitched in to help. I asked and the answer was..."we're going to talk about it with the significant other..."
The one time in my entire life did I ever asked...and when they asked of me...I was always there. Now I'm in no position to help any one any more. It's exactly what they say about the giant's land. "They will use you, abuse you, and then refuse you." Cuz they do it at the homeland too.