[blam]

"Of does it just mean I’m screwed and a sucker for always playing by the rules and have been responsible... The government is rewarding incompetence and failure, and punishing people for their achievements."

Yup.

Just sit on your front porch, do nothing and get fat while people bring you free stuff for voting correctly.

[gpk9]

" ... and have been responsible ..."

There is a difference between being responsible and being wise.

One can be responsible in faithfully paying their mortgage payment on time.

But what if said home was purchased at an overly-inflated price in an overly inflated market, with no or extremely low down payment, and said overly-inflated market has since collapsed, and said home is now worth far less than the balance on said mortgage?