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That's not what I meant at all. Really, the opposite. I might use it if they glitch *gets fixed*, because then I'll actually have an impetus to earn money quickly on the first day. But if the glitch isn't fixed, then I *don't need* a loan. You get me?
I don't delete the save because the loans aren't available. It's not about the money, it's about sending a mess- I mean, about what the money is good for. I delete the save if the black market clinic isn't available. If it's glitched into not being available then you lose so much QOL then you might as well restart since it takes all of 10 minutes into a save to confirm if you're good or not.