1,5 (2008) ("For families that get tangled up with truly dangerous financial products, the results can be wiped-out savings, lost homes, higher costs for car insurance, denial of jobs, troubled marriages, bleak retirements, and broken lives."); Elizabeth Warren, Unsafe at Any Rate, 5 DEMOCRACY (2007), http://democracyjo
urnal.org/magazine/5/unsafe-at-any-rate/ [https://perma.cc/W932-DBE6] (explaining that the cost of debt cannot be measured only in dollars, and that "[a]nxiety and shame have become constant companions for Americans struggling with debt").