This is the one I have most trouble with. People have entered into a contract with a bank - the bank loans them money; they pay the money back with interest. But if they experience difficulty keeping up their end of the agreement, the bank should simply write off or reduce the debt? Why?
To turn it around, does that mean that if the bank experiences financial difficulty (it happens - see Bear Sterns etc.), they could come back to the borrower and ask to add, say, €100,000 onto the outstanding amount?