Charles Glover Barkla

O my God, what must a soul be like when it is in this state! It longs to be all one tongue with which to praise the Lord. It utters a thousand pious follies, in a continuous endeavor to please Him who thus possesses it.

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.