It's not their fault, it's just that the world is really struggling to deal with the consequences of 30 years of debt profligacy courtesy of the financial deregulation heralded in by the Thatcher/Reagan/Douglas era. Three decades of sub-par central banking governance has seen an utter neglect of prudential policy and since 2008 it's been dawning on creditors that they've lent too much to those whose whole existence depends on their ability to raise ever more debt.
Meanwhile, the profits made by banks and their senior executives who organise these credit lines have been obscene and even after politicians have generously provided taxpayer funds to rescue the system, the profitability and bonuses of the bankers continue. It is one sick system.