It also is worth noting that this is not free money that will be handed out to any New Zealander who may have run out of money at the pub. There are specific criteria for consular loans. You have to be in distress, exceptional circumstances must exist, and it must relate to a person's immediate health or safety. So it's not as though this is a lender; it's more a lender of last resort for people that find themselves in deep difficulty while overseas.