OK, I can understand that.

What you are implying is that the lender should take all the risk without any chance of gain. I do not see this as a situation where both parties gain from the deal. Therefore, the deal will not happen. As long as both parties cannot agree on terms, it won’t happen, ever. Both parties to a deal, trade or loan or whatever is going on, need to think, at the time of the deal, that they are getting more value than they are giving up.