Fully agree on the business lending issue, but the last paragraph is absolutely normal and expected, actually a convoluted twist...
i am surprised it is not extreme, it should and show you how bad is business lending/business enterprising is here
If you have millions , you do not do a business loan for $20k.
The 60% of society are for the most comfortable not to enter a business and for the fraction who do, their starting business need will be small
That only 9% of credit goes to the one percent is a nasty sign established business and wealth has stopped investing in the future here.
Looking at figures and not at ideology bias, this is not good.