So here are the questions that they need to answer for New Zealanders, and New Zealand small businesses who are still struggling and don't know if they are going to survive, before they borrow the extra $41 billion and saddle every single New Zealander alive today with a debt of $147,000, and they are: how did it get out? Why did it get out? Why weren't they properly prepared? Why does this keep happening, and what are they doing to stop it?