Maybe, but that's probably not happening, and we already have a mechanism that heavily disincentivizes it: make risky deals that go bad and you only get the mon

Maybe, but that's probably not happening, and we already have a mechanism that heavily disincentivizes it: make risky deals that go bad and you only get the money that was insured, but not the risky deal-part. It's just that we've decided that this time the risk mustn't be carried by those that profited from the deal.