Fine, lender. Doesn’t change my analogy. My point is this question is easily answered. > Why would any bank ever conduct risk assessment if their potential fai

Fine, lender. Doesn’t change my analogy. My point is this question is easily answered. > Why would any bank ever conduct risk assessment if their potential failure will be paid by the industry as a whole. So the bank doesn’t go under, causing them to lose their jobs and equity.