I was privileged to do my MBA immediately after my computer science degree. During those days you studied about the capital asset pricing model and the concept of optimal debt levels. The bottom line principles (if I still remember them in this early hour :)..) is that "the higher the risk the higher the return required", "debt reduces the cost of capital", and "there is a quantum of debt that is optimal, after which it becomes expensive due to risks associated with it". Great principles but without God it can all collapse. There is some allusion to that in the 2nd half of Micah 6. Yes, God had prescribed an economic system to the people of Israel from the days of Moses but these were not followed. The passage from this chapter that keeps ringing in my head because of an old song is this. Micah 6:8 He has shown you, O man, what is good; And what does the LORD require of you But to do justly, To love mercy, And to walk humbly with your God? Th...