Sometimes there are customers who get in difficulty because of situations that are out of their control. These are customers with genuine needs, and the role of the bank is to accommodate these customers, and there is a real need to reschedule the loans of these customers.
You can do pretty much anything you want in this world, and it's not all that difficult - you just have to ignore the people who tell you that you need to go this way, and it's the only way.
A lot of great fortunes in the world have been made by owning a single wonderful business. If you understand the business, you don't need to own very many of them.