Sometimes that’s what you want to do and you trigger a lehman.
No one really knows where the trigger line for systemic with these things is. Hence the weird financial regulations like Dodd-frank in US, MiFID in EU etc
This creates at least one agent that will directly suffer the consequences of the default they caused.
Of course one can create two companies, make the first borrow from the second, make the second hide the money and default, get the first bailed out and pocket the hidden stash.
> This creates at least one agent that will directly suffer the consequences of the default they caused
Iif you think of companies as “agents”. But they are not, the agent causing the default is the human in charge. And those aren't often suffering a lot from their mistakes…