As you know a lot of banks have already suffered a lot from the negative tendencies of the world financial crisis which started because of the problems in the real estate sector in the USA and soon spread to other branches of economy. But it would not be right to blame only the financial system of the USA because banks earn money because they provide loans. In fact it would be better to test every person before proving a loan in the future. Of course banks will still provide unsecured loans because this gives an opportunity to earn more money for the banks because such loans are give with higher interests then, for example, signature loans because the banks must cover different risks. Of course the number of such loans must be limited because the percentage of people who do not return the money to the bank has increased considerably because a lot of people have lost their jobs. But this is only a temporary thing because after the negative tendencies in the economy will be over people will be able to return the money to the bank. Everything is simple.