Charles Eastman

The study of tavern history often brings to light much evidence of sad domestic changes. Many a cherished and beautiful home, rich in annals of family prosperity and private hospitality, ended its days as a tavern.

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.