Every action contains both good and evil. By consulting with others before we act, the community suffers less evil and gains more than it loses. There is no fruit of the tree of the division between good and evil. It is a device used to divide communities and weaken them. By appealing to some that they must resist then more evil is created. By thoughy and planning we can reduce the evil that attends all action.
Those who set out to disturb communities, in order to steal from them, are evil. Even if they promise loans for everyone.