Well I have sympathy for a small businessman like Andrew who worked hard to give his customers good service and fell into cash flow problems through ill health and accident. Compare that with the banks that caused house prices to rise by throwing money at the housing market and when asset prices rose, encouraged people to borrow even more money on the back of it. Ponzi scheme! Like all Ponzi schemes it was doomed to collapse and we are seeing the very real outfall of that today. People are losing real money (money invested in ISAs and the like) as a result (not mythical house price equity).
At least Andrew was honest!