Umberto Eco

While we may blame the Internet for the ease with which conspiracy theories proliferate, the net is really much more culpable for the way it connects everything to almost everything else. The hypertext link, as we used to call it, allows any fact or idea to become intimately connected with any other.

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.