TWO weeks ago the Governor of Bank Indonesia, Burhanuddin Abdullah, issued another warning regarding non-performing loans (NPLs). The public and bank depositors may not realize the danger signs inherent in the warning. As long as their money and their savings are guaranteed by the government, why worry? In fact, even if state-owned banks collapse, like they did in 1997 and 1998, wouldn't that be the responsibility of the bank owners, the gove