I’m pretty sure it’s going to struck this or at least next year. From decade to decade the scenario repeats itself - as soon as amount of unsecured loans gets higher than 70-80% in an enclosed financial system it becomes unstable. By unstable I mean it’s not going to burst by itself - but it becomes susceptible to any pressure, even mimal, something completely neglectable in the begging of the cycle. I bet at any given moment the dubious debts are at least about 50% in any investment company