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.
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.
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.