It sounds to me like your position is that the government shouldn't make loans with your tax dollars if there's any chance of it being lost. Period. Is that right?
Not even close. You fail basic comprehension. Or you're a liar. Or even both.
People have a right to do what they want with their own money. If they want it to be 100% lost, good for them. Basic rules of ownership and accountability.
Another example of how you fail basic comprehension:
The $5 billion to $6 billion figure was calculated based on the average rates and expected returns of funds dispersed so far, paid back over 20 to 25 years.
"Expected returns". Do you know what that means? It's not actual, or they'd use that instead of extrapolating out 20-25 years from now.
By the way, 10% return over 20-25 years is utterly horrible. Not that it's clear where you got that percentage.
But what does evidence matter? It's clear you want to believe self-serving nonsense from government bureaucrats and crony capitalists who siphon public money. And you're willing to lie to help them cover it up. Do you even get paid, or do you sell your integrity for nothing?