I think the people who've been the most overconfident in our business in the last decade have been the people that called themselves risk managers.
Richard Thalerhe card companies will often, as a courtesy, honor that credit card, but hit you with a penalty. And you keep swiping your card for $3 at Starbucks for your lattรฉ, and you're getting hit with a $25 penalty because it's over your credit limit.
Richard Thaler