What I'm saying is in the world of high finance, it gets a little more complicated than that.

Let's now say I owe the bank $3,000,000.

If my business complete stops running, the bank is out $3,000,000 without much of a chance of getting any of it back.

They will happily lend me a measly $50,000 more to keep my head above water because that's the best chance they have of not getting screwed out of $3M.

And risk being out 3,050,000. At some point in time we (as a country) have to learn to live within our means and stop throwing out good money after bad.