Already confusion over what security on a loan can lenders ask for. If the borrower's business can't recover, apparently the lender would have to chase the borrower for security (e.g. van, property other than principal home) before the government will cover the lender's loss. And lenders must first assess whether the business is viable (I'm not sure whether that means viable ante-virus, or viable post-virus with the economy wrecked).
If they base payments on taxable earnings, the only good thing going forwards will be less tax avoidance by not declaring earnings and working for cash.