That's basically like saying you cant get a loan for a house because you don't have the money to cover it yet the bank still gives you the loan because over time you will so your point doesn't make sense because all it means is no one should take a loan otherwise there scammers.
Wow you still trying to get a loan? Did you really just compare this to a mortgage loan? If you think they're even remotely the same, then I'll need you ID, proof of income, SSN, and piles and piles of documentation.
What kind of information have you provided for this loan? That's right... NOTHING. Keep begging, maybe someone dumber than you will provide the loan.