If Western Countries were wrong, then China is in the wrong too.
The problem is, as I explained. Bank (either Western or Chinese) are there to do business. Don't know about you, when I go to my bank and ask for a $500,000 loan for the house i currently live in, they are not the one that responsible for repayment. I need to calculate all the risk involved and whether I can afford this loan.
Now, whether or not bank should lend me their money is one thing, but not paying back is on me. Not on the bank, and as a borrower, I should have known how much I can afford, and if I go after a loan I can't afford, that's responsibility is totally on me.
I am not saying this is Chinese or American fault, I am saying you people use the same reason the Sri Lankan blame you to blame America, while insisting it was wrong for the Lankan to blame you. In case you don't know, that's double standard.