thoughts on cnp, page-6

Perhaps you missed the main point.

If any bank doesn't have the money spare (most banks have called for new equity to shore up their balance sheets), they will ask for it back on 15 December, no matter how well the customer is paying off the interest.

It is up to the customer to refinance this loan elsewhere. If they can't - that is insolvency, no matter how much cash and interest coverage they have covered.