[yeputons]

> In US.. well it depends but you could quite easily bring down the people doing this to you with yourself

I personally don't see much difference between "going down" and "going down together with other people". At least for myself and my family. I'm screwed anyway.

[Wytwwww]

It has more to do with shifting the cost/incentives for the other side which would reduce the likelihood of you ending up in such a position.