TY JOUR TI The bankruptcy phenomenon: philosophy, epistemology and nature in economic thought KW bankruptcy KW socio-economic phenomenon KW creative destruction KW ethics of responsibility KW social construct KW information asymmetry KW moral hazard KW institutionalism KW cognitive distortions KW dialectic JO JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT AU Kivarina, M.V. AU Gurov, A.I. PY 2025 IS 0 PB ITBO University