I think you would enjoy Peter Schiff if you don’t already. I’m not sure the borrowers were the victims either. I think the tax payers who are paying for all the mistakes (the lenders’ poor decisions, the borrowers’ lofty dreams and the government bailing insurance co.and banks out) are the getting the worst of this. While I agree that the borrowers and the lenders were both careless, the lenders were the only ones being deceptive. I think this point is missed when arguing these points. Borrowers perhaps try to get away with buying a house they can’t afford, they know they can’t really get away with anything. They know their financial and credit information will eventually be viewed. But the banks have the ultimate say in who can and cannot afford a house. And who’s paying for it? We, the people who didn’t sign up for any of it. But that’s how it goes—- prosper together, suffer together, right? Unfortunately.