Dangerous game, they assume they'll be immune to point deduction. Not really sure what the ruling would be if the bank had to take ownership of the club, is that classed as administration?
no one really knows, it would be a bank taking over to get their money back which is usually what happens with administration so there is the possibility they could get a points deduction and then theres assumption that theres a que of buyers waiting for the bank to take over, if a sale drags out then the bank could start selling assets (ie torres and anyone else with a sale value)