Somehow "responsibly" followed by "meltdown" just doesn't make sense. It doesn't fit with post 27 either:
"..fall 1982. Southern Industrial Banking Corp a S&L uninsured. People lost entire life savings. The other was United American Bank of Tennessee FDIC insured. The first ran by CH Butcher Jr the second by brother Jake Butcher. They cooked the books between the two institutes and dummy corporations. this was also the scandal Harold Ford Sr was linked to."
All those S&L problems are nothing compared with the leading banks in every country on the verge of failure.