Nick Cave

The concept of God in America is very different than it is in England. Because we see the horrendous outcome of religion as being an American thing, in which the name of God has been hijacked by a gang of psychopaths and bullies and homophobes, and the name of God has been used for their own twisted agendas.

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.