Agreed with your sentiment. It's scary easy to fall down and go from ok living style to becoming homeless. But on the other hand, healthy debt is what grows th

Agreed with your sentiment. It's scary easy to fall down and go from ok living style to becoming homeless. But on the other hand, healthy debt is what grows the economy and it's a necessity. There should be more regulation / laws toward loan grants and far more regulation toward APR. One thing for sure is that the system cannot favor lenders over borrowers or vice versa because failure on either side results in collapsing the system.