Philip Pullman

Out of the thousand writers huffing and puffing through movieland, there are scarcely fifty men and women of wit and talent... Yet, in a curious way, there is not much difference between the product of a good writer and a bad one. They both have to toe the same mark.

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.