The market holds enough for you to spend the money. Then it crashes and the value of your home falls to S325,000.Now you have negative equity and owe the bank almost S4000,000. You ask yourself why you should be paying S400,000 for a 325,000 house, so you stop paying your loan and give your house, car and vacation home to bank. Depending on how this plays out,the bank or you or both will take a huge loss. If this situation is widespread, banks can fail and less money is available for the investments and purchases necessary to grow the economy