Hattie McDaniel

Leverage is great when it works, and when it doesn't work, it creates a lot of issues. So I think if you limit the amount of leverage that people can borrow, or that banks can borrow, I think you'll find that you'll have a lot less issues going forward.

A lot of emotional stress that people go through, some people figure out a way to handle it. They have a strong enough support system to keep going and keep moving forward. And some people, they feel like they don't have that outlet.