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Is it really such a hard concept to understand that not everyone is going to be responsible? Being so, wouldn't it mean "you" should be responsible and finally accept the facts that not everyone in a society is, perfect like you?
Where is the logic in not accepting the facts, and adjusting for them? How is it logical to absorb the extra costs of these people, after they've been abused, it's not cheaper to let them die or forget about them, that is a lie...
Banks make these loans because they are ALL 100% backed! They don't care if it's bad or not, they do not lose money on it, EVER!
So some of you are okay with them, purposely screwing 'each of us' over because they took advantage of stupid people? We pay for it either way... it could be far cheaper for each of us, if we stopped the fraud before it happened.
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