Not sure about "theft" 

If you wanna leave your country (to one that won't extradite you), it's not hard to open & maxout as much credit as you can, buy BTC, leave & never look back.

If your bank wants to take your loan (people often call it their savings) & not pay it back, it's similarly easy, except the banks don't have to actually leave; their lenders (customers) don't do shit as their banks default on their loan/savings, and neither do regulators, rather, they encourage, demand & reward it. 🤦‍♂️
 

 interesting point. thx!