No worries, I'll upvote it. ;) I think he/she is right-ish about the supply-demand calculus on this; looking at history, overextended credit/margins often lead

No worries, I'll upvote it. ;) I think he/she is right-ish about the supply-demand calculus on this; looking at history, overextended credit/margins often lead to nasty bubbles because of the distortion effects.