The world is in a crisis detonated by excessive lending to "safe" assets, public debts and mortgages; in a safe country, USA; and in safe AAA rated instruments… and still the experts, Nobel Prize winners included, have the galls to call that excessive risk-taking, and not the result of excessive misguided risk-aversion. Given that risk is the oxygen of any development... God save developing countries from these developing experts!
When parents seem to give more importance to their children´s credit score than their school grades, like setting them up to the fact that they will have to work their whole life in just to pay interests, something's terribly wrong