Miranda July

I didn't have any vices before the Internet. There are a lot of cracks in the day, moments where you don't know what to do next, so you have a little hole where you look at your phone. You want something that will mean you're not alone in that moment.

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.