Mr. Speaker, that is an interesting question, but I do not think loans should be eliminated entirely.
We must bear in mind that some candidates come from areas where they are not popular, but they want to go into politics anyway. They will not necessarily borrow lots of money. Some parties raised very little money and could not even receive rebates from the Chief Electoral Officer.
It is practical for this person to take out a loan in his or her name. If it is not paid back, that individual's credit rating alone would be affected. I think that is the existing system and, generally speaking, that is how people should pay back their loans. If they do not pay them back, they are the ones who will suffer.