Your perspective is not really clear as to what you are trying to say but if i can try to draw inferences from been a credit loan you are actually trying to say is it okay to access for investment purposes. Of course it is perfectly okay to access Loans but the issues people are having is how to utilize it judiciously, prudently and productively. Because one thing we must be aware of is loans are not just money we borrow to payback at a later date but they have what we refer to as interest attached to it making it a very complicated money. We must access it wisely.