Michael Phelps

Cynicism masquerades as wisdom, but it is the furthest thing from it. Because cynics don't learn anything. Because cynicism is a self-imposed blindness: a rejection of the world because we are afraid it will hurt us or disappoint us. Cynics always say 'no.' But saying 'yes' begins things. Saying 'yes' is how things grow.

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.