Just a wee thought.
If an average person goes over their overdraft limit, or credit card limit etc to such an extent that the bank aren't willing to extend 'standard' borrowing to you, you're sort of 'in the shit'. That's when the bank manager comes along and says, "there is another option, you could enter into a Voluntary Arrangement where we'll help you out with funds but keep a hand on how much you can have at a time, to make sure you're not spending outside your means or being reackless, but most of all, to stop you getting into trouble again in the future".
I say, the Government, which has got itself into a financial pickle/stupour recently, should eneter into such an agreement, where they have to ask permission before they do anything with a significant amount of money. Make Vince Cable the bank manager who calls the shots. If you want, Deal Or No Deal style, all the cabinet can open their red boxes and Vince can phone down and give them an offer of funds for their department's plans. They don't even have to see him face to face.
I just like the idea of Noel Edmonds saying "so, Gordon, you've got an offer of full funding for school-building projects and all NHS funding you ask for, Deal or No Deal"
Well Noel, I came here with a target in mind, and that target is more debt
(Banker is heard laughing down the phone. Gordon realises his greed, his pride, his desperation has played straight into the banker's hands.)