[JoshTriplett]

Sure, you're still going to have to deal with the dispute resolution process, but you get to negotiate from a position of strength (you have the money and they want it, rather than the other way around), and you're not in the red by having paid the costs to ship products without getting paid for them.

[ceejayoz]

If you think being in arrears to a bank is "a position of strength", you must have never overdrawn your account.

[X-Istence]

It depends on the amount of money you owe the bank.

Owe the bank 10 dollars, it's your problem.

Owe the bank 10 million dollars, it's their problem.

[ceejayoz]

Kickstarter's limit is $10k, so it's likely to be your problem. On top of that, bankruptcy would be a problem for most people, even if the bank suffered too.