[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.