Use of Force by Banks to Recover Loans

Discussion 1 :

I accept the fact that there is some amount of fault with the bank but people ??? are they very correct in what they are doing ?? If you know that you will not be able to pay the amount why do you have to get the loan . In cases where something backfires unexpectedly I can understand but there are people who deliberately get loans and avoid paying them back and the bank has to take some step as money is in stake . So the fault lies with both I'll say. The bank should act responsibly while giving loans and so should citizens applying for loans.

 Discussion 2 :

  According to my view point bank first see the worthiness of customer whether he would able to pay the loan in future or not and bank must see his/her income criteria then the bank should provide loan to the customer so that they will not have to suffer in future and they will easily get their money back and in generally if the person is not able to pay the amount then bank would recover their amount by hook or by crook. So, bank must see the capability of a person that is he able to pay the amount of loan or not?