I do not think you understood what I was saying
Enlighten me then.
As far as i could see there is little risk to the Bank (they only lend up to 70% of equity) and Holly decided where she placed her money which turned out to be risky. How could that be the banks fault? The bank looking at the investment at the time would have most likely thought it to be a good one, as Rob pointed out they are there to make money not lose it and as we have seen with the sub prime market they also get it wrong. Thinking about it they could claim that they (the banks) where lied to and cheated as these sub prime investments where sold as AAA investments by other banks and funds.