Happen to a more deserving entity.

In 08-09 I was running a small business that was hit hard by the collapse. I had to do work outs with landlords, supplies and lenders. ZNB had my small operating account with a small loan. They were the most insignificant of my creditors but important to my cash flow since I had about $20K in cash in their account to operate the business.

I was 2 days late making a loan payment of under $100. They grabbed all of my remaining cash and applied it to the loan. Almost singly handedly destroyed the business. I protested to the highest levels of the bank and was given the figurative middle finger. Meanwhile, all my other creditors, hundreds of thousands of dollars including MACU were all very reasonable in working with me.

I'll celebrate the day ZNB collapses.