However, the bank is happy to extend the loan infinitely for people with enough assets. It's questionable that whether such loans are cash flow neutral.
Long maturity products still have to be repaid. There are no "infinite" maturity loan products for retail customers.
>It's questionable that whether such loans are cash flow neutral.
There's zero question: loans are cash flow negative (for customers) with interest. Banks are not going to offer products that are not cash flow positive for the bank.