If the underlying assets go bad and the products can't be repaid, the Banks are usually not technically liable, but the risk is that they will be forced to take the losses nonetheless.

如果这些潜在的资产太糟糕，产品没有回报，(尽管)银行技术上是没有责任的，但不得不接受损失的风险的事实明摆着在那里。