Ключевые слова: 2023, abstract, bank, banking, bankrupt, bankruptcy, business, cloud, collapse, concept, crash, crisis, danger, dark, datum, disaster, down, drop, economic, economy, failure, fall, falling, finance, financial, future, global, inflation, investment, loss, market, money, new year, panic, problem, recession, report, risk, road, sign, statistic, street, symbol, year,