These loan products used to be called subprime products, but for some reason that naming convention fell out of style so now bankers call those loans non-prime or non-conforming.
If this happens enough, and the bank was unable to call back its extremely risky venture loans, they ran the risk of not having enough cash to honor withdrawals.
I know you called about a $10,000 potential loan on the house, and you just got a whole buffet of things you got to deal with, but I think that's the play.