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Sure it serious, but a chain is only as strong as its weakest link. Wanting a "united" Europe run by the German power house and their lap chein, created by sticky tape and plasters, full of corruption and unaudited accounts will finally lead to failure. Interesting how such a small economy could...

However if you were sold a dodgy loan with ppi and self certified on their advice so long as you joined their club you might you feel hard done by. Oh and the main banker actually owed you money they refused to accept. You might have a different view.

Or if you owe the bank £1000 but can't pay you've got a problem if you owe the bank £1 million and can't pay they've got the problem

Do you mind me asking how old you are and what animal you are on the farm?