Robert Samuelson, a columnist for the Washington Post, argues that the Great Moderation actually caused the Great Recession. During the Great Moderation, "consumers could assume more debt-and lenders could lend more freely." Why might consumers have been willing to assume more debt and banks and other lenders have been willing to make loans more freely during the Great Moderation? Why might these actions have made the severe recession of 2007-2009 more likely?