Neil Cross

I love to see heroes who fuel some kind of moral furnace inside them, who are driven to take on the evils of the world, despite the fact that the evils of the world are more powerful than them. And essentially can never be defeated, but they refuse to bow down. And in order to enjoy that aspect of the hero, you've got to put them through hell.

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.