I am aware that Lebanese banks are required to ask for a tonne of collateral when someone applies for a loan. And that the rate of default, as is, is not huge. But this ad causes me worry. If one can secure up to USD 100,000 from a phone call to the bank, then he.she already has enough to secure reimbursing it. But this also reminds me of the way banks in the US were acting before the bubble burst. Now whereas "Phone Loan" rhymes (yes, even in Arabic "loan 3al telephone") I am a bit worried at this stage if we are acting recklessly - even if, to calm me down, I always remember the Central Bank has strict rules for any loan from the bank.