Yes, indeed...however, the crooked ones also like to counterfeit against the debt.
"Counterfeit" is not the right word. Earlier, someone brought up bank accounts. You think "your" money, the money you deposited, is always in your account? Gimme a break.
And here's what you don't seem to want to understand: When the "crooked ones" short against toxic debt, it's only possible because management has made it possible.
So if you think that's what's happening here, take it up with Urbie.