PBA: Of course you can. You think Chazal did not think of most of these tricks? Chazal were not out to protect the big banks, they were protectiong the Ani, Yasom & Almana. The only difference is Chazal would not have printed the money & allowed the banks to go bankrupt. Then the owners of these banks would lose their shirts paying off the depositors.
Besides, the loans would not be worth anything anyway as it is assur to lend with Ribbis.