Heidi has a lot to answer for, as have her customers who heard only the "drink now" part of the deal.

The other protagonists in this parable are not blameless (though from those who foot the bills are the least to blame) but that does not absolve those involved at the start.

In the 70's, aged 18 or so, I was curious to hear my (bank manager) boss remark to his deputy regarding a publican who I knew that the manager liked personally, but who was experiencing just the problem outlined "I wish he would leave the lending or not lending to me, that is what I do. He can't afford be wrong about someone repaying, and if he goes under I can't get a decent pint."