So it's all just psychology, credit cards have been irresponsibly used for so long that any person looking to get ahead has been trained to think to stay away from them or you will be drowning in debt before you know it.

People's psychologies are weird.

One thing that all advisors have to do is manage expectations and the psychological aspect of financial decisions. 

But everyone's psychology, and the way they are behaving, says it's a buyer's market.

I know it's not true, it's just weird psychologically. 

The psychological phenomenon is formally called "illusory superiority" and is a form of cognitive bias.

Purchase price: $220,000 Cash invested: $7,000 4,000 square foot multi-office commercial property catering to Psychology and social work professionals located in Syracuse, NY.

Lower interest debt like mortgages, car payments, student loans etc. are a bit more personal and again involves your own personal psychology and comfort level with debt and risk.

What other psychological ailments are endemic to business owners that you can think of?

There were no motherly women to take care of the children, just people highly trained in child psychology.