"The whole aim of practical politics is to keep the populace alarmed (and hence clamorous to be led to safety) by menacing it with an endless series of hobgoblins, all of them imaginary." ~ H.L. Mencken
Credit Cards and the Collapsing Country
'By preventing banks from increasing their rates in response to a lack of creditworthy borrowers in the markets, those who have proved creditworthy customers over time will be forced to subsidize those less reliable to make up the difference, proving yet again that there is no such thing as a free lunch.'
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