The tiny, sweltering shop where Barnabus Ossai sells boxes of imported A4-sized printer paper is a world away from the trading floors and banking offices where the global economic crisis was born. Ossai doesn't hold a subprime mortgage — the 28-year old bachelor shares a small Lagos rental apartment with some 10 family members. And with a net worth hovering somewhere around zero, he's hardly exposed to risky collateralized securities.