‘Real world’ banks ask for ID’s, do background checks and even if you pass all their ‘tests’ they give you a hard time lending money. Still, I don’t want to know how much of that money is never paid back to them. 
It’s like you say: if you’re in that business, it’s just part of the game.

I’m still learning myself... the hard way. If everyone I knew very well and trusted (hahaha, ‘trusted’ - so naive of me) would pay me back the money I lent them, I might regain a bit of trust in the world ;0)