Well if they do actually fix the “plane-crashing” bugs then I can agree with you, but at the moment it’s a bit easy for the game to screw you over.
See here: Wait until casuals wreck their first 2024 career mode airplane (details and spoilers)
A loan would just give the players another option to progress through career mode how they would like. Choosing to take a loan may end up not being as profitable when compared to taking no loans, but like I said it could put you in the plane that you want (or start a certain company that you want). My suggestion was not necessarily tied to those that crash their plane.