> How fortunate we all are!

I think so.

As someone who makes things, they solve a really important chicken-and-egg problem for me.

i.e. Where does the money needed to make a thing come from before you make it so that you can sell it and make money from selling the thing?

I suppose technically I could risk my money, assuming I have some. But I'd much rather risk the bank's, and I understand that they will charge me for that.