This is not right. I'm no follower of this "buy an aircraft and max loan out" strategy at game world start, but loans are an importent instrument in many situations.
And while I try to be dept free as soon as possible and avoid new loans, there are always situations it's worth to take out some money.
Also it's not necessary to order aircraft with loan, they can be ordered with cash on hand as well. So I'm still asking "why?".