John Krasinski

We can appear to be tough as nails, but guys have a level of insecurity and vulnerability that's exponentially bigger than you think. With the primal urge to be alpha comes extreme heartbreak. The harder we fight, the harder we fall.

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.