Alan Rosenberg

'The Others' books take place in an alternate Earth where the Earth natives have been the dominant predators throughout the world's history, and humans are nowhere near the top of the food chain. But humans are clever and resilient, if not always wise, and have made some bargains with the Others in order to survive.

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.