more worrying is that grassroots borrowers now appear to expect that the government will always come in and write off their debt if they cannot service it themselves. cases of more demanding debt forgiveness (and getting it) are becoming regular events. In October 2005, more than 5 000 farmers marched in the government house area to demand debt relief. A week or so later, the government approved a debt restructuring scheme covering mo than 50 000 farmers. in april 2006, another 2 500 farmers marched on the ministry of agriculture demanding debt relief, again the government rewarded them with that they demanded. these scenarios are very worrying. there is a risk of a loss of financial discipline in the whole system if the government continues to forever pursue a policy of pushing out credit and then forgiving debt. If this become the norm, then current problem is still relatively limited in scope, from the lesson of the crisis, this kind of situation should never have been allowed to happen, let alone brought about by government policy