no. because bank going bankrupt doesn't wipe away YOUR debt. it wipes away banks obligation to the governing body. also micro-lending will be as big in west as

no. because bank going bankrupt doesn't wipe away YOUR debt. it wipes away banks obligation to the governing body. also micro-lending will be as big in west as it's in China in the next decade. borrowing 10k to margin trade the stock market is inherently more risky than borrowing 10M for a mortgage.