Evan Osnos

In the final years of his life, when former Communist Party Chief Zhao Ziyang lived under house arrest, in Beijing, his aging friends resorted to donning white doctors' coats in order to slip past the guards stationed outside his home.

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.