Oskar Schindler

We must differentiate between guilt and duty. The soldier on the front, like the common man, who does his duty everywhere, should not be held responsible for the actions of a few who also called themselves Germans.

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.