Gee Skol, I wish you were my superannuation fund manager back in 2007 as they don't mind taking $2ooo a year to manage your money but not one whisper from them before the GFC hit. My super fund account dropped 40% at the time.
The world didn't continue on as normal because Rudd and Swan spent all of our money on shonky pink batts, free school computers, $900 handouts to all workers and school halls that were not needed at extravagant prices.
Your right about loading up on debt is done by dumb people, that accounts for most of our political leaders who cannot run a country without massive debt or their own family budget unless they receive extraordinarily high wages for zero production and little accountability.
Gold will be controlled by corrupt banks but their day will come soon enough. It is a scarce commodity getting more expensive to find and mine and the wealthy Indians and Chinese love gold.
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