Imagine if the tables were turned and it was you going to the bank for a loan:

Hi. I know I have no money in the bank, and I have a massive credit card bill and a line of credit which is pretty much maxed out, and a mortgage which takes up 65% of my take home pay, and I blew a shitload of money on iquor and whores on several trips to Vegas, and I lent a bunch of money to my brother-in-law for his new business idea of selling snow to Eskimos, and I owe Big Tony a thousand bucks which I have to pay back by Friday or he'll break my legs, but .... I really, really need you to lend me $700 billion dollars.

Oh, and I have no intention of paying it back. And if you don't loan it to me, I swear to God your bank will go out of business.

What do you think the answer would be?