Also banks refusing loan applications from their own permanent employees is pretty apeshit imo.
Heh. Despite sounding ridiculous, that's actually bad business practice. Ever heard of the moral hazard problem? That's moral hazard on steroids.
Imagine that: If I give you a loan, I expect you to pay it back to me. Then I ask: "how do you expect to pay me back?"
So you answer "I pay you back by working for you."
But then if I give you the loan, I'm tying my own hands. No matter how bad you screw up or neglect your job, I can't fire you because I depend on you to pay me my money back.