Now we have to do courses to teach people this exact thing.

Because out of 100,000 people 1 person might think its a good idea to lick a electrical outlet. We need to teach everyone not to do such things.

I did a few months work in a lending environment.

I was astounded at some of the people that got loans after being bankrupt after 1 day.

They got loans for 100k AUD cars etc At 45% interest Was the worst I saw.

They didn't care, they got credit and a new car.