Since the times of Adam and Eve, it has been important for mankind to learn from its collective experiences. Observing and adapting to our surroundings is fundamental to both survival as well as improving our circumstances in life. Regular readers of this blog know that a frequent topic (January 29, 2020; Dec. 4, 2019; June 17, 2019 et al) that is discussed is the proliferation of debt in our society. This build-up of borrowed money has taken place at the individual, household, corporate, state, and federal level. The enormous increase in unemployment caused by the coronavirus pandemic has increased the need for borrowing as we all attempt to survive through a period of limited cash inflows. Effective contingency planning will always suggest that consumers maintain a reserve of borrowing capacity so that it is available to them specifically for times such as these. Clearly, those who have prepared are under less financial stress than those who have not.