> People who end up holding the debt are many steps away from being able to have conducted due diligence. And they should face the losses. And maybe learn fro

> People who end up holding the debt are many steps away from being able to have conducted due diligence. And they should face the losses. And maybe learn from their mistakes. And the people that were responsible with their money, didn't take on the risky assets that generated out-sized returns will be able to invest because they preserved capital.