Not going bankrupt is just a proxy that (in the absence of actual names and numbers) allows us to reason about their habits. It doesn't mean that they only stil

Not going bankrupt is just a proxy that (in the absence of actual names and numbers) allows us to reason about their habits. It doesn't mean that they only still enough not to go bankrupt :-) And then there is scale. There is only one western country where money is on a comparable scale.