Bankers in America at least don't really do that. What you're thinking of are large investors. People with net worth over 500 million.
Bankers just loan money. These days they don't give a shit who they loan it to as long as the loan is big and they can justify the loan to shareholders and the government. Which of course is remarkably easy because we don't regulate things properly anymore.
The banks don't care about the quality of the loans because they have set themselves up so that if they go down they take the entire world economy down with them basically meaning we are all in a hostage situation.
The same is true for those ultra wealthy investors by the way.
Thanks though are an institution rather than individuals. That's an important distinction because Banks are, or at least should be, heavily heavily heavily regulated to force them to be run safely and intelligently. The problem is we've gotten so obsessed with free market bullshit that we don't regulate things that we need to be regulating anymore.
Getting back to AI bullshit though that's going to be investors and big shareholders demanding limitless returns and line go up.