Alex It's not about whether something would bankrupt bunq or not. The company is built on some principles, as for example not providing loans. Not because of fear of losing money, but because they think it is the more ethical thing to do. You might disagree with these principles, and that's fine. But it's also kind of unrealistic to present these ideas here then.
For example I personally think that nuclear energy is something humankind should explore in the future, despite of the setbacks we had, and it needs funding to do so. I still wouldn't suggest bunq change their investment plan to include nuclear energy, because they clearly have a very different opinion on that topic and deliberately decided to not invest any money in companies that have to do with it.
And Europe is not bunq, bunq is not Europe. There are many banks here that give out loans, overdraft credit (especially in Germany), and credit cards are also a thing. Not so much the secured credit cards, because the scoring works differently and they're really not needed for the most part. An 18-year old without a job could probably get a credit card (not any card, but there are some) as long as they aren't into debt. In comparison to the US, where having a lot of credit can be a very good thing when securing loans, it can be the other way around here, even if you haven't had problems with paying back any debts before. We're definitely not afraid of debt, it's just a different culture.
If you want to find more about how bunq came into being and its principles, I'd recommend getting the book "Break Through Banking" https://www.uitgeverijkompas.nl/bunq-break-through-banking-book/ (also on Amazon). In any case, I think we're not gonna see bunq giving out loans to anybody anytime soon.
