Banker and sane do not really belong in the same sentence. Banks might do that if they thought putting the company into bankruptcy would increase their salvage when the company liquidated. If not calling the loan eventually means in their 'minds' they get nothing, and calling it now means they get even 10 cents on the dollar. A bank might opt for the later and expect the state to take care if it like a child (like they do now). After all banks aren't like real businesses, they don't produce anything, they just take from one entity and transfer to another. They don't generate wealth or provide a service.