Sometimes there are customers who get in difficulty because of situations that are out of their control. These are customers with genuine needs, and the role of the bank is to accommodate these customers, and there is a real need to reschedule the loans of these customers.
We now demand the light artillery of the intellect; we need the curt, the condensed, the pointed, the readily diffused -- in place of the verbose, the detailed, the voluminous, the inaccessible.
The Big Bang is our modern scientific creation myth. It comes from the same human need to solve the cosmological riddle [Where did the universe come from?]