Elizabeth Warren

Never be so faithful to your plan that you are unwilling to consider the unexpected. Never be so faithful to your plan that you are unwilling to entertain the improbable opportunity that comes looking for you.

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.