In early autumn last year, Paul Krugman asked in his already popular column: “How did economists get it so wrong?” 4 Krugman’s central argument was that the economics profession had gone astray.
At the same time, it is the wish of the Danish Bankers Association "that throughout the customer relationship the customer perceives the  2  BIS Review 122/2006  bank as the creditor for the loan and thereby the customer's banker, even though the bank in fact just administers the loan on behalf of the funding company".