Rosalind Wiseman

The hazing experience and then the subsequent participation in the group forces its members to maintain the status quo and traditions at all costs. It demands mindlessness and unquestioned loyalty, resulting in boring people who have little ability to think for themselves or have an opposing viewpoint from those who have the most social power.

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.