Man, you are such a picky king. Like you (the borrower), the bank will not be the last bearer of inflation losses, so it will not be directly passed on to you. Banks will not consider inflation when setting loan interest rates.

According to the current actual inflation level, bank loans are actually negative interest rates. If the loan money is all the bank's own (capital), it will soon go bankrupt. But in fact, most of the 1000 yuan lent to you is someone else's deposit, and the capital of the bank may be less than 1 cent. The current deposit is 1000, and the withdrawal after n years is 1000, so the loss of inflation is actually borne by depositors. From the perspective of the whole banking industry, inflation is borne by the whole society.