A wave of loan write-offs and mounting bad debts has forced many public-sector banks into a defensive posture, tightening credit even to creditworthy borrowers as they repair their balance sheets. Ironically, this caution arrives just as government programmes push these same banks to extend basic banking access to millions of previously unbanked citizens. Meeting both goals, financial stability and inclusion, may require banks to be restructured around distinctly different risk models for each kind of lending, rather than treating all credit decisions with one uniform yardstick.

What is the message essentially implied by the passage given above?