John Perry Barlow

Google, Amazon, Apple. Any number of cloud providers and computer service providers who can increasingly limit your access to your own information, control all your processing, take away your data if they want to, and observe everything you do; in a way, that does give them some leverage over your own life.

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.