... whether one is religious or not, agnostic or atheist, the words of this man should be heeded ...
... 1 to 6 ... !
... often through the accumulation of real estate and other assets as the indebted lose homes.
Another driver being the middle class desperation to retain income leading to even skilled resources lowering their price.
Bad times are predatory times, as those who have seek to have more by buying up more for less and less.
In the US predatory debt collecting will have peaked since September 2008 when Lehman Brothers went down.
... with some gems like:
"We couldn’t understand why people without technical knowledge had to tell programmers “what” to do and, furthermore, they had to supervise “how” programmers did it."
... leaving aside the question of security these are remarkable solutions.