401k - Company doesn't contribute yet doesn't allow loans on account paid into 100% by employee

I just checked with my 401k provider to inquire about a loan on my balance because I'm experiencing hardship right now. My company participates with a 401k program, but contributes ZERO to employee accounts. No matching, no contributions at all. The accounts are 100% paid into by employees. During my inquiry I was told that my company does not allow loans or withdrawals of any kind unless the person is a) 65 years old or b) leaves the company. Am I unreasonable for taking issue with this? If they contributed I could understand them prohibiting withdrawal of funds they contributed. But if the employee makes 100% of the deposits, shouldn't they have access to standard 401k loans/withdrawals with standard penalties? Is this common practice? Thanks!