Worries about the debt crisis are far from over.
And given the fact that, in the event of a problem, some of the lending institutions seem not to have protected their backs, I thought a look at how individuals can protect themselves and their assets might be appropriate.
Deposit institutions are normally considered very safe. So watching many of Northern Rock's clients rush to remove their savings was a bit scary.
Listening to a vox pop I heard one person declare, without stopping to think or check the facts, that it was like Equitable Life all over again.
The powers-that-be seem since to have succeeded in halting the lemming-like rush to withdraw, and some sense would now appear to have prevailed.
But what about your own assets? Your house, car and so on are all very obvious candidates for protection, but the most important assets are those that are most often overlooked, ie yourself, family, mortgage and job.
Without wishing to add to the overall climate of worry and concern, there are some frightening statistics which show how insufficiently protected we are in certain areas.
Protecting the members of a family, it seems, is often overlooked in the interests of paying off the credit cards and so on.
In addition many people are finding that as they come off a two or three-year deal on their mortgage they are faced with a sharp rise in their mortgage repayments.
The tendency at this point is to panic with the realisation that all the spare cash will be used up meeting the increased mortgage repayments.
The crunch can come with the arrival of the credit card bill and there is the dilemma of which to pay first ? mortgage or credit card?
My advice, should you find yourself in a situation such as this, would be to go straight to your mortgage lender and seek their assistance.
It never ceases to amaze me how rarely this strategy seems to suggest itself to those finding themselves in this difficulty.
Contrary to popular opinion, mortgage providers can and will help - but only if you go and see them early on when a cash flow problem first becomes apparent.
Missing even one repayment is often disastrous for one sole reason. If, at some point in the future, you want to either reorganise or change your mortgage, or if you move house and have to start again from scratch, the lender will carry out a credit check and any missed payments on your main mortgage will mean an increased interest rate from the norm.
And the problems that lenders are currently having may mean that they will tend to be more cautious in the future, especially with clients who have a record of missed payments.
You should be aware that this may also apply to your investment properties and any debt raised on them.
If you feel unable to ask your main lender then do at the very least approach an independent financial adviser or the Citizens Advice Bureau where you will be able to get some help.
Nicholas Watts is an independent financial adviser with Positive Solutions Financial Services (www.thinkpositive.com), which is regulated by the Financial Services Authority