That particular entity doesn't need to take a loan intentionally. That particular entity is forbidden from transacting in fiat if it goes over a certain number, and if that particular entity wants to do so it must be through the bank. Since every deposit into a bank is a DEBT contract that allows the entity to use a balance of the same amount of the fiat that is now the bank's property, said particular entity is forced into a loan for ALL transactions over that random limit.

Is it a surprise? Avoid big tech services as the primary home for freedom tech.