You borrow to build wealth
. The bank lends to gain wealth from you. Bankers are better at it than borrowers because they do it all day every day. Don’t expect the bank to look after you. Bank staff are paid to make money for the bank, not for you!
Don’t be done like a dinner! The Good Banking Advice Centre has excellent Aussie Debt Solutions https://gbac.com.au/learn_more.php