Chuck Fleischmann

We are not sent into this world mainly to enjoy the loveliness therein, nor to sit us down in passive ease; no, we were sent here for action. The soul that seeks to do the will of God with a pure heart, fervently, does not yield to the lethargy of ease.

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.