I have a on/off switch in my brain about this all the time. I want things to fail, I want people to learn lessons the hard way, for prices to fall and for me to scoop up a place at a bargain.
Then I think for that to happen my wife or I will lose our job and will not be able to take advantage of it anyway. I used to keep around 3k on my credit cards at all times, I didn’t think it was bad, I could afford it. Then I married a girl in finance and we started computing and it quickly was paid off. I can’t imagine ever going back. I’m hoping it’s the same lesson many learn.
