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@rhb
A little tale from personal finance... When I worked for Barclays, before Abbey, I was encouraged to get folks to take loans to clear their credit cards - cheaper borrowing n'all that. Sounded sensible until the "sales coach" explained I shouldn't tell folks to close their cards once cleared, as that'd remove our chance of sellling them a bigger loan once they maxed their cards again a few months later. No amount if discussion would persuade the "sales coach" that this was un-sustainable. This was 2000 and the great personal credit boom.
The saying that a bank gives you a brolly when it's sunny and asks for it back when it rains is very true.