1 is plausible.
Remember the super rich have bank friends.
Ever heard of "If you owe the bank $100 it's your problem. If you owe them $1mil it's their problem"
A giant building that's empty that nobody pays rent on is a huge bill to settle somehow with the bank.
Oh sweet summer child.
In an ideal world you'd be correct and I want you to be correct. But there are a lot of people who want to live on both sides of the grass here. They want to say they have no money to pay anybody to certain people and have all the money at the same time.
So, maybe not all, but definitely a lot. There is a reason why economies tank. Wall Street has no morals. Recessions, depressions, inflation, and the like happen. It's because people get greedy and corrupt.
1 is not just plausible, it's happening all the time.