This is why the gold 'float' is so relatively tight in New York and London.
"Our hearts are continually prone to wander from Him. It is an unspeakable mercy that the Father comes with His chastisement, makes the world round us all dark and unattractive, leads us to feel more deeply our sinfulness, and for a time lose our joy in what was becoming so dangerous. Though He has indeed no pleasure in afflicting us, He will not keep back even the most painful chastisement if He can but guide His beloved child to come home."
Andrew Murray, Abide in Christ, 1895