This is a fundamental tenet of what lending is all about. It's why a bank won't just give money to anyone for any reason at all. It's something everyone has considered in their personal life on a micro level, at some point. Yet in certain contexts the very idea of a difference between responsible and irresponsible lending, and accountability for same, goes right out the window. Conveniently when it does it always seems to be in support of funneling huge amounts of taxpayer money to large banks, or foisting indentured servitude on the bankrupt.