That's why smart people are investing only what they are able to lose. You aren't able to lose loaned money, because it will turn you into a slave for another 20 or 30 years, but if people are willing to take such risk we can't do anything but watch. People are gamblers, it's the naked truth. Many years ago I remember watching people who were taking loans in foreign currencies because they were told the payments will be smaller and it's worth trying. A couple years later the currencies went up in value and their installments doubled and idiots went crying to the government saying the banks didn't tell them it could happen boo hoo.