I have an idea. Let’s

[no_such_reality]

I have an idea.

Let’s regulate Joe Sixpack.

You see, Joe Sixpack is the problem.

Joe Sixpack borrowed the money.

Joe Sixpack can’t pay it back.

Simple solution, Joe Sixpack doesn’t get to borrow any more…

Oh wait, Joe Sixpack won’t admit he’s the real culprit. Oh no, it’s greedy wall street bankers, not Joe Sixpack. Joe Sixpack just wanted his house to buy him a whole remodel, and a boob job for the wife, and a new SUV, and a big Z71 truck, and boat.