Leon Panetta

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.

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.