According to economic pundits, the primary reason for the Great Recession of 2008-09 was the climate of easy credit and greed. There was an assumption that property prices would continue to rise so that loans against real estate was a certain winner. It proved to be gross miscalculation, and as the recession kicked in an increasing number of households and businesses suddenly found that they were not in a position to meet their financial commitments. The result was repossessions on a huge scale and many business failures. Fortunately, economic recovery has set in during the last 4-5 years and the questions in need of addressing revolve around whether business should be able to borrow in order to develop and what price should it be paying?