That's because there is systemic risk and as future events unfold everyone will be using these new buzzwords. The more you hear them, the more you'll know I could be right. Debt service for the private sector comes primarily from these sources. Overall credit growth and total debt have risen to unprecedented levels. About the only outcome available for the biggest debtors is bankruptcy.
Nobody knows the future.
I can only give an opinion and an educated guess at what will happen. Here's my advice - begin to think about getting your money away from the brokerage firms and into the banks. Sit out this correction. You'll hear a lot more about systemic risk until the financial system actually goes kaput. By that time you should be positioned to weather the storm.