As economic conditions worsen, financial institutions face mounting scrutiny over their lending practices, leading to public outcry and questions regarding their sustainability. This week, major lenders are criticized for issuing loans to borrowers without verifying their capacity to repay, contrasting sharply with lessons from previous financial crises. Simultaneously, the main insurance companies have come under fire for failing to support clients during critical times, heightening the already tense atmosphere as China's largest state-owned banks report stagnant earnings—raising deeper concerns about the broader economic impact.