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abstract account act bad balance balancing bank banking bankrupt bankruptcy banks borrow brink budget budgeting building business concept conceptual credit crises crisis crunch debt debts default downturn economics edge failure fall faltering fear finance finances financial fragile fragility fun funny humor humour insolvency insolvent interest isolated loan loans loss losses manage management market money negative not on owed piggy piggybank piggybanks pile poor precarious pyramid rating receivership return returns rocky save saving savings scheme shaky stack super superannuation sustainable symbol teeter teetering tenuous the tipping topple tottering unsafe unsound unsteady value weak wealth wobbly