It's not that stocks are without risk, but do I really want to lend money to someone who can't get a loan from a bank? (freemoneyfinance.com)
As the old saying goes, banks are in the business of lending money to people who can prove they don't need it. (creditsesame.com)
Or, maybe you don't want any involvement at all and would rather just «become the bank» by lending money to other investors and earning a passive return. (realestate.com)