Careful
But then stupidity hurts us all in one form or another.
Careful, if Tom reads that, he'll accusing you of the sin of collectivism.
But in truth it's hard to deny, isn't it? I like Adam Smith's pastoral vision of a world of independent businessman, but that world doesn't exist any more. Today's behemoths gather a huge amount of power unto themselves, and when they screw up, the shockwaves are felt round the world.
Elsewhere you wrote about taking out a 15yr or downsizing your ambitions, and that's the right way to go. Easy credit's all about living beyond your means, and it's a bet placed on future prosperity. Sometimes Lady Luck doesn't smile, and only a fool bets his home in that game.