It really shouldn't matter. An elevator full of people shouldn't fail just because they all jump in unison, so long as the number of people / weight is below the maximum capacity.
We view banking differently because ultimately banking is political and powerful people benefit from being able to leverage without a pre-defined plan to handle some aspects of the downside risk, even though creating such a plan is straightforward. Creating such a plan would surface the cost of the plan in advance and it's easier to pretend it was an "impossible" and unanticipated phenomenon rather than just greed.
