Due to a host of reasons in the global economy, we are entering into a period of time that is quite unprecedented and we are likely going to see a massive shakeup in the world. I think that a lot of people know this, yet are not preparing for it in any way, as they do not know what is going to be the thing that hedges them against the volatility

I would agree we will see a shakeout. Debt is a cancer and an addiction for many. We bought our house without a loan. I have always believed if you don't have the money to buy it, you can't afford it and don't need it. Sadly folks don't take responsibility anymore.