It is not just the banks problem but it is the banks calculated risk. UAV, I hear what you are saying and it all sounds good, but, sure as anything there will be latent consequences to bankruptcy that you could never have predicted, certainly going about it the way you are considering. It would appear openly reckless. And you know and I know that it isn't necessary to hurry through it right now. Spread it a bit, make some attempts to repay it, see how you go, and then, if it all becomes too much, bankruptcy is there for you. Transfer 20K to your wife, sign the house over to her and spunk 30K on credit cards all within 2-6 months and you might receive a spell in the slammer!
Anybody would be silly setting out bankruptcy intended. It is like preparing to fail. BUT, it is a tool that is there, for those with unsecured debts and a huge amount of strain which NEEDS to be relieved. It has been calculated as an acceptable risk by the banks. You know, not everyone can win at everything all of the time - and that includes the banks. They would have self perpetuating money otherwise. It is a gamble for the banks that wont always pay off.
The fact of the matter is, you should not allow an unsecured debt to monopolise your life - that's not what life is about. You also should not let it monopolise someone elses though if you have secured the debt - then bankruptcy is not an option.
As for the type of bankruptcy that prat Grant Bovey and Anthea Turner have toyed with several times, that is disgraceful, appauling and deplorable. A hard working trainee pilot who has taken up the banks offer at a chance on their life to achieve their dream, with no security, is not in the same league. It's not in the same multiverse.