answer:No, they should not. It is greed on their parts. Should people think responsibly and not take on more debt than they can? Of course. In the case of some of these outrageous mortgages, though, they should never have been legal to sell, because they violate all the precepts of financial prudence. In defense of the idiot buyers caught up in this mess, if you ever bought a home, you know that the paperwork and the process have been rendered so Byzantine and labyrinthine that it is extremely difficult to understand what you are signing up for. The burden to understand that has been placed on the consumer is huge and the yet the tools to help them understand are not there.They really don’t want consumers to know. Regulation simplifying the process and forcing them to disclose in plain English would go a long way to helping.