This is why banks are critical and efficient in a modern economy - but debt must be used with care. A bank has a more diversified portfolio, so it will almost certainly survive a resonable sized dairy downturn, but many indebted farms might not.
What are we doing, as Te Pūtea Matua, about the challenge of competing horizons and purposes when it comes to ensuring financial stability? On top of keeping inflation low and stable so businesses can focus on the long-term, we also look at other ways to maintain a healthy financial system.