It's interesting. I'm not sure what I think about it, but I suppose there maybe should be a grandfather clause to be fair to people who had a particular idea what they were getting into. I'm not sure about it--in most businesses the "rules of the game" can be expected to change. Tax law changes, prices of materials, shipping, employees, people's willingness to spend--pretty much everything changes. I think it wouldn't be a bad idea, generally to make bankrupcy more difficult, but exactly how to do it, and all the consequences--I don't know.

   I think most all lending is predatory, and it's only a matter of degree. I read about a man who made billions buying bad debt, on the idea that if you treated people decently, didn't insult them, they'd pay better. He based it on his own experience, after he had a business fail--whoever shouted at him most was the last he wanted to pay. There's a great truth in that. But eventually he over-reached, the company got into cooking the books, and the whole thing crashed. There was another great truth in that, too. The economy may well be limitless, but the better part of growing up is learning that WE have limits.