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> Just note a pattern. There are some countries that were spending more than they have, and those countries are in big problems.

Italy has had a massive government debt for the last 30 years, and has not changed much. And very little private debt. Spain has had a lot of private debt only lately, but a very low public debt. Greece _cooked the books_. Netherlands have one of the highest mortgage debt in the world and a resounding AAA rating.

What's the pattern here?

Oversimplification and overgeneralization is always wrong for everyone.



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