yesterday when I was young

Yesterday when I was young the life who so simple before 1983 in Malaysia. There is no Bai Bithaman Ajil financial product to victimized customers where incompleted houses still haunted the customers to pay the banks who is suppose to be the owner and worst part owner (i.e. bank) who just is too concern the money borrowed paid back to them, this is clearly loan, not buy and sell transaction.
How then in this whole wide world the customer is going to chase the developer who has dissapeared when the owner is clearly sitting in front of their eyes calling themselves "Islamic Banks'
Well, Shariah Advisors approve BBA therefore the fault lies with Shariah Advisors who equally have vested interest by receiving payments from the banks for their so called invaluable services to the banks. Wallahualam.