The author says, Orient Bank, Tropical Bank, UBA Bank and Bank of Baroda willfully contravened Articles 159(2) and 159(7)(a) of the Constitution which expressly prohibit any facility for borrowing, guaranteeing or raising a loan on behalf of any person or authority using taxpayers’ money except as authorised by or under an Act of Parliament and therefore should be the ones made to pay. He additionally says they should each be fined at least USD10 million.