TBH we got a lot of mileage out of UK banking institutions for quite a long time whilst being in a precarious situation.
Clearly Lowe's relationship with Barclays fell apart as our season unravelled but Aviva always seemed onside.
In contrast, Pompey's main liabilities were towards their owner and a foreign bank and the situation only became critical when a large bullet repayment became due. It's not surprising that the debt was eventually restructured... would you fancy picking the bones of the PFC carcass?