"those Harvard graduate financal warriors experts that knows...

"those Harvard graduate financal warriors experts that knows alot more economic stuff than us got it wrong based on fundamentals. ANZ had BNB as a "buy" based on fundamentals for over a year"

Thats true, but ANZ didnt have BNB as a buy last week.

As you mention yourself, BNB has always been loaded with massive debt, and this is one of the fundamental measures to watch out for. This is a big call to make, but the companies with less (or no) debt have done better in the current crisis.