Even criminal prosecutor Hauksson agrees: "It is too much to say the whole collapse was brought on by criminal affairs … It was an extreme situation combined with some wrongdoing."

就连刑法检察官Hauksson也认同这点：“说银行业崩溃全部是由刑事犯罪引起就太过火了……这是多种行为不当共同造成的极端状况。”