This isn't about starting a business - this is about consolidating debts that already exist for a business that already exists and has banked there for 2 generations.
banking there for generations went away pre 1970 plus it appears they don't have a lot of cash in the bank. Basically the sister will need to file bankruptcy and get government assistance
We had a crisis when loans (housing) were given to families that didn't have the ability to repay the loan. The mortgage industry collapsed about 15 years ago. the banking industry is heavily regulated by the federal government in the USA. the us government has stepped in right now during the pandemic to prevent landlords from throwing people out of their homes/raising rent
loans including consolidation are based on your ability to repay the loan back (they are looking for a bigger loan as they need consolidation plus cash fyi). they don't have the ability to repay the loan back as they don't have any income. the sister is selling the boat as she doesnt have money to fix it and falcon clearly cant based on the fix it scene
the only thing hes guilty of is treating Falcon like a celebrity and acting like a fool. He could potentially damage the reputation of the bank and should be spoken to by management over that
banking now is all numbers based and a tract record of 2 years of positive income over debt.
now Nick fury probably has a different outcome when walking into the same bank to start the same business . He has demonstrated a steady income (more than likely Nick fury is making well over 6 figures). Has considerable assets etc. Don Cheadles character is probably also in the same boat
I would say 3/4 of the current avengers don't get the loan
Thor-No assets, no job
antman-criminal record?, no job, no assets
If you think about it without Stark many of the avengers are practically homeless/wanted by the law etc
theres so many real world celebrities when they run out of money they have to get jobs in the private sector. the smart ones start a business while they are getting income
you go to a 2nd tier comicon and you get celebrities making money off autographs because they need the money. Otherwise they would do what Falcon tried to do.
Lebron James-used part of his own money to buy part of the redsox. He didn't use his name he used his wallet
Do a quick search on Gary Colemam-big celeb in the 70's-made close to 18 million. lost most of it and worked as a mall security guard before he died