The whole debt money system of the modern world is a big money-laundering program.
Money comes into existence by being borrowed into existence, not because there is anything backing it. It is all funny-money. Then, even if you could pay the loan back, where could you get the interest? You would have to take out another loan to pay the interest on the first loan.
Because the system is so large, when you repay your loans with interest, you don't see the ways that foreign nations are tricked to enter the "Ponzi." If you default on your loan, you don't realize that defaulting by some of the borrowers is simply part of the way a debt-money system works.
Debt money is a big money-laundering scheme that is used by the bankers and politicians to get rich at the expense of everyone else. Switch over to Bitcoin, or UPMA (
https://upma.org/).