Bad debt risk is an objective existence, as long as there is likely to have bad credit.

坏账风险是客观存在的，只要有赊销就可能有坏账。

youdao

With so much bad debt out there - and no one really knows how much there is - Banks around the world have become extremely risk-averse.

有这么多坏账——没人真正知道数字究竟有多大——全世界的银行开始变得不再愿意承担风险。

youdao

If regulators assist every industry that takes on more debt than it can handle or makes bad business decisions, the intervention can encourage more reckless risk-taking.

如果任何产业被债务或错误的经济决策拖垮监管部门都出手相救，那么干预措施就会鼓励人们做出更多不计后果的风险行为。

youdao

Instead they have been used to bail out risk-takers who took very bad risks, increasing our collective debt and deficits at the expense of long-term productive economic capacity.

FORBES: The Bailout Mentality -- The REAL "New Normal"