Canadestin it appears that you do not want to accept the fact that CIC do not allow funds to be borrowed.
It is clearly stated by CIC. This is the case no matter what spin you would like to put on it.
Hiding the fact that funds are borrowed when applying, is misrepresentation, there are consequences.
Anyone who has done this has to live with the fact that they could at some point in the future be stripped of their PR status, or worse.
Sadly, not enough people suffer these consequences, but that does not make it legal or morally acceptable.
The people who apply legally, do not have to keep looking over their shoulder.
To be direct, people who do this know it is wrong, in my view they do not deserve to be in Canada.
Canada wants honest immigrants, if you talk to the immigrants who follow the rules and suffer the hardship, pain and frustration, you will find that they don't appreciate the cheats at all.