Three news stories capture the Dickensian times we live in. The first reports record profits in the Canadian banking sector (“The money machines we love to have: profits soar at Canada’s big banks”). The second reports concerns regarding Canada’s high level of consumer debt and overheated housing markets (“Household debt, home prices biggest risk to Canadian economy, Bank of Canada says” ). These two stories resonate with a third reporting that roughly 1/5 borrowers would fail a mortgage stress test coming into effect January 1, 2018 (“New mortgage stress test rules block 50,000 people from buying: mortgage group”). Perhaps our fate lies in the assimilation of these stories?