It depend on how you structure it. Magugu, Kones and he rest - took loans - in their names. Ruto registered limited liability companies. They cannot come for him or his other business. In fact they cannot even find his name anywhere.
Ruto is a very brilliant and ruthless. I see people go for him with half measures and I laugh - because I know - just like Moi - the humble christian nice little boy is fake facade.
Ruto doesnt play games. If Uhuru gives him just one week - he will recover almost 5yrs of losses - the money he is dishing.
Every step or word Ruto says or word is almost well calculated and well planned.If you have LOW IQ and LOW EQ please please run from Ruto - personally I have no desire of meeting him - he will leave you in pure tears

- very few people survive their encounter - coz he is very brilliant smooth operator.
Hopefully he won't suffer Akina magugu and matiba fate. Once he out of power the banks will come after him