[Sylvanfan]

There's lots of stuff that could go wrong, and it could happen pretty fast. Most of you are too young to remember the 18% interest rates in 1981, and the tsunami of foreclosures and bankruptcies

Much of that was to do with demographics. The demographic bulge in the population placed too much of the countries population in the high borrowing range and low income. Basically every parent had 4 kids trying to borrow money off them. Today that bulge doesn't exist, in fact it's parents not having enough of their own kids to lend to. Demographically we're not seeing another era of double digit interest rates in our life, unless somethig really drastic happens. In which case we're all fata'd anyways no matter what we do.