Laeserin on Nostr: But, again, you're assuming that, if the people who drive over the road won't pay ...

But, again, you're assuming that, if the people who drive over the road won't pay high tolls, then it's a poor use of resources.
But the people building the bridge do not think it's a poor use of resources, that's why they want to pay themselves, to have it built.

Using resources well doesn't always require someone else's willingness to pay me money to do something. Nobody has to be willing to lend me Money to eat a sandwich and I don't need to charge people to watch me eat it, for it to be worth eating. I'm hungry. I want a sandwich. I lose the money on the sandwich, but that is okay because I'd rather lose the money on a sandwich than stay hungry or eat plain bread.

Do I need to prove that a house or a car is worthy of a loan? No, I can just save up money and spend it, building a house or driving a car.

Once you look around, you will see that most things that currently receive loans will no longer receive them. Or so I thought. 🤷‍♀️