Assuming that a person putting money into an institution is gauranteed to get that back, given enough time, even in the case of bankrupcy, then it would be reas

Assuming that a person putting money into an institution is gauranteed to get that back, given enough time, even in the case of bankrupcy, then it would be reasonable to expect them to fall into permanent debt. But, if you've put money into an institution, knowing ahead of time how bankrupcy could affect you in that particular instance, and you want different laws after the fact, then you're shit out of luck. Regardless of that, equating an individual's assets with a business's assets would discourage any growth of a business, given that the individual can no longer cover the fallout if it goes bankrupt, which suggests that the economy as a whole would suffer.