So instead the banks use the BTFP, they get liquidity at current interest rates, now they owe interest on something they own that's not making any money. They think they can thread the needle, if they make enough money this year to dig themselves out then they survive, if they don't they'll be deeper in debt. The level of short term thinking is at once hilarious, and also very sad that its so easy to get people to engage in such immoral behavior.