Hopefully we won't have to go through something similar to the last six years again so soon. If we do, I make a prediction now for the next sub-prime bubble... loans to households that can't afford these ridiculously higher and higher priced headphones, dacs, amps, and not to be forgotten, accessories!
It sounds like your almost describing a audiophile loan shark lol. But I can see some bank giving out loans for such audiophile luxuries.