I am extremely concerned about our financial future; 2008's crisis must be avoided. After careful debate with my classmates, we have decided the best way forward is 'safer lending.’ This means that banks will not lend large amounts of money to people who have records of not paying it back. This will restrict the chance of people going bankrupt. My opinion is that banks should not lend to citizens with a credit score under 500. A friend of mine was a victim of banks being careless with their loans - she came to a point where she had no money available in her account. Don’t you agree this must be avoided. The future must be protected.