The difference between Finance in Nepal and Finance how it operates in America is simple:

In America if someone you have loaned money to does not pay, you simply lower their credit rating. Then you send collection agencies after them to harass them on their cellphone day and night.

In Nepal, there is no system of credit rating. So when people default on loans, the only way to retrieve the money is to send guys like Nas and the Bokas to retrieve the money through violence. There is a huge flourishing industry of such gangsters in Nepal.
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In America, the system is very strong. Your social security number and your credit rating will chase you where ever you go in the nation. Your low score in your credit rating will haunt you no matter where you try to run and hide. This forces most of the population to be good. 

So basically in America, the system is strong an will slap you if you default on a loan. In Nepal, a stick will slap you when you default on the loan.

So at the bottom of America and the bottom of Nepal this is how order is maintained in the world of Finance.

Unfortunately, at the top of both America and Nepal, there will continue to be Bernie Madoffs, Raja Rajaratnams (in America) and Pawan Kumar Karki and Jeet Bahadur Shrestha (in Nepal).

Guys like these are 'Bank Eaters.' And squashing these son-of-a-beaches requires a whole other strategy. Us here in sajha should come up with a very creative strategy in dealing with these son-of-a-beaches.