I'm no good with anything money-wise, so I'll spell out the scenario and could someone suggest ways it could be explained? MC's uncle appears to have mislead MC's family over the security of a financial risk they took, one which destroyed them in the recession. House, business, gone. Uncle has powerful friends, you see, friends who in MC's eyes, should have known the collapse of a (fictional) northern bank was well on it's way. While MC's family have been moved out to a hellhole council estate in the nearest city, the MC has stayed behind after being offered a flat and a job by said uncle (family pretty much made him take the opportunity to do something, anything, with his life). The focus for the story is, of course, the searing anger the MC has for the uncle rather than the details of what happened and how, but my attempts to ad-lib the financial circumstances are laughable. How could the collapse of a bank leave a family out of house and business?