The Iranians know what they need to do in order to become a responsible member of the international community and in order to become a good neighbor, and it's really up to them to change their behavior.
If your credit is going to grow at 10-15 percent per year in order to get your 5 percent GDP growth per year, eventually you're going to have a problem. This isn't a stable system.
Whenever a massacre of Armenians is reported from Asia Minor, every one assumes that it has been carried out "under orders" from somewhere or another; no one seems to think that there are people who might like to kill their neighbours now and then.