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In the debt advice world, groups are getting more calls from worried bank employees who are now facing downsizing and layoff with the contraction of banks.

Even the very same bank employees that were responsible for carrying out bank policies, now find themselves on the opposite site and looking for home equity loans and home equity line of credit to help make ends meet. And rather than be wise shoppers for mortgage interest rates, when you are desperate they don’t care about the rate, just the ‘yes’.

So easy is it to slip from one side of the valley to the next. While bankers are pursuing what they believe to be their ethical pursuit of profits first, I wish there was a way to also inject some amount of reality and humility into their vision for today in the banking world you can have a job one day and your bank can fail the next.

I’m not sure if there is value in remembering that old adage that what goes around, comes around, but it’s true and my banking friends need to remember that.