Mark Moss

But the money supply has increased faster than that.

So when we look at sheer numbers, we have to take that into consideration, first of all.

But what I would say to this is it sort of kind of goes back to two things.

Number one, you referenced some of the news we're going to talk about.

One, Trump capping rates.

And so when lending restrictions get tightened, people will turn to options like this.

So you cut rates at 10% on credit cards, people are going to go to loan sharks.

Number one.

Number two, the way I think about it is you also mentioned... Or they run out of credit balance.

But the other thing I would go back to, as you referenced earlier, a news story to get to later, is the education system and capitalism.

And if people were taught how to use debt...

in a good way.

You mentioned good debt versus bad debt.

And so we are in a debt-based system.

We're in a credit-based system.

And so we use debt to grow.

Donald Trump was the king of debt before becoming the president.

But if you don't learn how to use it properly, it can become extremely dangerous.

If you use it properly, it's extremely powerful.

So I just see a failure in the education system, first of all.