"Our obsession with material things and lack of self-worth is evident in our need for an abundance of momentary luxuries and must-have amenities that have no true value for real, man. And I mean, we do it just to impress people that could care less if your children or your children's children have anything left to show for your life after you gone."

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There are times when a market such as housing, transportation or the stock or mortgage market keep rising and people with capital want to join in this growth. Soon the markets become overheated, partly because of the abundance of investment money and speculation. This is when the government should raise interest rates and increase the cost of borrowed money. Governments are shy about doing this because it could cause the very recession. Yet this is the best time to do this so that the inevitable recession never reaches the magnitude of the recent Great Recession.

— Philip Kotler