I was getting some ideas from the text. Scandinavian countries have probably the world's best institutions. I'm talking here specifically about courts, laws, po

I was getting some ideas from the text. Scandinavian countries have probably the world's best institutions. I'm talking here specifically about courts, laws, police. Also lack of corruption, excellent education, and a good labor market. In a world like this, debt becomes really just a number on paper. They can take huge mortgages and pass them on to their children (alongside with the property of course).