Henry Ford

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.

To ask questions can become the laziest and wobbliest occupation of a mind, but when you must yourself answer the problem that you have posed, you will meditate your question with care and frame it with precision.