 Exactly. So capitalism doesn't work with just on the upside and then on the downside, we're going to socialize all the risks. As a quote I use in the book, that capitalism without bankruptcy is like Christianity without him, right? So that's really what it comes down to, which is the fact that if we want capitalism, then we have to allow risk to be taken because by not doing so, we have to also understand what the adverse consequences are. That's what I try and say in the book, that a lot of people...