Gluttony has a price. People have feasted on debt in Australia, borrowing the largest amounts of money with respect to earnings, in history. They have used equity mate. I don't think the ferryman has been paid yet. Life will remind us that you don't have a debt feeding frenzy without a major hangover. This exposure to os funding is the likely driver for this retribution.
If you are looking for a loan, go to a credit union that is fully funded by local deposits. Still, in a bank run situation, this will not guarantee security, as they also will need to borrow funds to service a run.
