Yes, I do believe in the big vacuum being created by the financial institutions. One day it will lead to the biggest crisis of the era. Lending money without having the assets is pushing the entire world economy to debt economy. If these institutions do not start taking actions now, the day is not far when everything collapses. As you said many Financial institutions have a history worth not revealing. It is absolutely true, there are movies made highlighting these concepts like "The International" and they will do anything to keep it hidden and reduce any risk to their system.