Excessive alcohol consumption disrupts the 'REM' (Rapid Eye Movement) stage of deep sleep to ruin a night's rest, according to the UK Department of Health.
McKinsey believes, however, that this increase in financial institutions' debt disguises a positive trend: much of the debt is now of a longer-term nature, so poses less of threat to the stability of the economy (it can't be called in at a moment's notice, to the potential ruin of the borrower).