I personally read, purchased and recommend his vids, books and fan of Nail Fergusson, this great Harvard historian who takes you on a time travel with him into the depths of history
and Money trails. He lays bare the underpinnings of American capitalism on easy credit and ease of walking away from accumulated debts, painless and also without any stigma .
"Memphis is famous for blue suede shoes, barbecue ribs and bankruptcies" Nail Ferguson, Harvard historian here connecting the dots ,US economy's innovative power hinges on easy credit and bankruptcy laws to protect the debtor .and no Shylock's to extract the pound of flesh from defaulters.
( educational vid)