I have a cunning plan…

What about those banker’s bonuses, eh! All that filthy lucre got me thinking and a plan has formed: I’m opening my own bank – Salty John’s Bank and Boat Shop. It has a certain ring to it.
 
I’ll lend huge sums in boat mortgages to anyone who wants them, the only criteria being that the lendees could never in their wildest dreams make the repayments. Then I’ll go spectacularly broke and, amid fears that I could bring the British economy to it’s knees, sell the whole sorry mess to the British taxpayer. Shortly after the dust has settled I’ll collect my huge performance bonus and bugger off to the Caribbean in my super yacht.
 
I think I’ve grasped the business model.