Banks make their profits from bearing liquidity risk (holding on to long-term pledges that cannot easily be sold), as well as from credit risk (the danger that such promises may not be kept).

Mum is the lady who was bearing the severe physical pain and danger to give birth to you while enjoying the process with sovereign happiness of expectation for the new life.

The foundation of bearing joint and several liability by possible tortfeasors is no longer joint-negligence but the blameworthiness of subjective danger.