Lending and spending


In my opition,banks should NOT lend money to people who they think could not pay it back.This would make it so there would never be a financial crisis again.For example,my parents have a friend who once took out a loan for a car but he couldn't re-pay it so the bank took away his car.The bank should have checked if he could re-pay it.Banks can check if they can re-pay it by looking at their credit score.If their credit score is too low,then they shouldn't lend the money.